The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$92,249
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,118
−HK$2,915/mo
Today · 4.125%
HK$98,033
baseline
▲ 0.50% · 4.625%
HK$103,999
+HK$5,966/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,066/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,626
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,378
−HK$2,792/mo
Today · 4.125%
HK$108,170
baseline
▲ 0.50% · 4.625%
HK$113,872
+HK$5,702/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,340/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,698
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,142
−HK$3,498/mo
Today · 4.125%
HK$117,640
baseline
▲ 0.50% · 4.625%
HK$124,798
+HK$7,158/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,280/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,151
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,454
−HK$3,350/mo
Today · 4.125%
HK$129,804
baseline
▲ 0.50% · 4.625%
HK$136,646
+HK$6,842/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,608/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,148
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,165
−HK$4,082/mo
Today · 4.125%
HK$137,247
baseline
▲ 0.50% · 4.625%
HK$145,598
+HK$8,351/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,494/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,676
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,529
−HK$3,909/mo
Today · 4.125%
HK$151,438
baseline
▲ 0.50% · 4.625%
HK$159,421
+HK$7,983/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,876/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,048
−HK$10,412/mo
▼ 0.25% · 3.875%
HK$171,213
−HK$5,247/mo
Today · 4.125%
HK$176,460
baseline
▲ 0.50% · 4.625%
HK$187,197
+HK$10,737/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$352,920/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,726
−HK$9,980/mo
▼ 0.25% · 3.875%
HK$189,680
−HK$5,026/mo
Today · 4.125%
HK$194,706
baseline
▲ 0.50% · 4.625%
HK$204,970
+HK$10,264/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$389,412/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,354 · Scale 2, in force from 26 Feb 2026)