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$92,468
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,344
−HK$2,923/mo
Today · 4.125%
HK$98,267
baseline
▲ 0.50% · 4.625%
HK$104,246
+HK$5,979/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,534/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,870
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,629
−HK$2,799/mo
Today · 4.125%
HK$108,428
baseline
▲ 0.50% · 4.625%
HK$114,143
+HK$5,715/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,856/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,962
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,413
−HK$3,507/mo
Today · 4.125%
HK$117,920
baseline
▲ 0.50% · 4.625%
HK$125,095
+HK$7,175/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,840/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,444
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,755
−HK$3,358/mo
Today · 4.125%
HK$130,113
baseline
▲ 0.50% · 4.625%
HK$136,972
+HK$6,859/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,226/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,455
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,482
−HK$4,091/mo
Today · 4.125%
HK$137,573
baseline
▲ 0.50% · 4.625%
HK$145,944
+HK$8,371/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,146/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,018
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,880
−HK$3,919/mo
Today · 4.125%
HK$151,799
baseline
▲ 0.50% · 4.625%
HK$159,800
+HK$8,001/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,598/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,443
−HK$10,437/mo
▼ 0.25% · 3.875%
HK$171,620
−HK$5,260/mo
Today · 4.125%
HK$176,880
baseline
▲ 0.50% · 4.625%
HK$187,643
+HK$10,763/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,760/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,166
−HK$10,004/mo
▼ 0.25% · 3.875%
HK$190,132
−HK$5,038/mo
Today · 4.125%
HK$195,170
baseline
▲ 0.50% · 4.625%
HK$205,457
+HK$10,287/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,340/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,446 · Scale 2, in force from 26 Feb 2026)