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$92,355
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,228
−HK$2,919/mo
Today · 4.125%
HK$98,147
baseline
▲ 0.50% · 4.625%
HK$104,119
+HK$5,972/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$196,294/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,744
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,500
−HK$2,795/mo
Today · 4.125%
HK$108,295
baseline
▲ 0.50% · 4.625%
HK$114,003
+HK$5,708/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$216,590/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,826
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,273
−HK$3,503/mo
Today · 4.125%
HK$117,776
baseline
▲ 0.50% · 4.625%
HK$124,942
+HK$7,166/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$235,552/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,293
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,600
−HK$3,354/mo
Today · 4.125%
HK$129,954
baseline
▲ 0.50% · 4.625%
HK$136,804
+HK$6,850/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$259,908/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,297
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$133,319
−HK$4,086/mo
Today · 4.125%
HK$137,405
baseline
▲ 0.50% · 4.625%
HK$145,766
+HK$8,361/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$274,810/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,842
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,700
−HK$3,913/mo
Today · 4.125%
HK$151,613
baseline
▲ 0.50% · 4.625%
HK$159,605
+HK$7,992/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$303,226/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,239
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$171,410
−HK$5,254/mo
Today · 4.125%
HK$176,664
baseline
▲ 0.50% · 4.625%
HK$187,413
+HK$10,749/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$353,328/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,939
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$189,899
−HK$5,032/mo
Today · 4.125%
HK$194,931
baseline
▲ 0.50% · 4.625%
HK$205,206
+HK$10,275/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$389,862/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,339 · Scale 2, in force from 26 Feb 2026)