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$92,712
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,596
−HK$2,930/mo
Today · 4.125%
HK$98,526
baseline
▲ 0.50% · 4.625%
HK$104,521
+HK$5,995/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,052/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,142
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,908
−HK$2,806/mo
Today · 4.125%
HK$108,714
baseline
▲ 0.50% · 4.625%
HK$114,444
+HK$5,730/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,428/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,255
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,715
−HK$3,516/mo
Today · 4.125%
HK$118,231
baseline
▲ 0.50% · 4.625%
HK$125,426
+HK$7,195/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$236,462/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,770
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,089
−HK$3,368/mo
Today · 4.125%
HK$130,457
baseline
▲ 0.50% · 4.625%
HK$137,333
+HK$6,876/mo
Deposit HK$16.26M · loan HK$24.40M · min. income ≈ HK$260,914/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,797
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,835
−HK$4,102/mo
Today · 4.125%
HK$137,937
baseline
▲ 0.50% · 4.625%
HK$146,330
+HK$8,393/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$275,874/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,398
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,271
−HK$3,928/mo
Today · 4.125%
HK$152,199
baseline
▲ 0.50% · 4.625%
HK$160,222
+HK$8,023/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$304,398/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,882
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$172,073
−HK$5,274/mo
Today · 4.125%
HK$177,347
baseline
▲ 0.50% · 4.625%
HK$188,138
+HK$10,791/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$354,694/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,655
−HK$10,030/mo
▼ 0.25% · 3.875%
HK$190,634
−HK$5,051/mo
Today · 4.125%
HK$195,685
baseline
▲ 0.50% · 4.625%
HK$206,000
+HK$10,315/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$391,370/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,996 · Scale 2, in force from 26 Feb 2026)