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$92,267
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,137
−HK$2,916/mo
Today · 4.125%
HK$98,053
baseline
▲ 0.50% · 4.625%
HK$104,019
+HK$5,966/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,106/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,646
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,399
−HK$2,793/mo
Today · 4.125%
HK$108,192
baseline
▲ 0.50% · 4.625%
HK$113,895
+HK$5,703/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,384/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,720
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,164
−HK$3,500/mo
Today · 4.125%
HK$117,664
baseline
▲ 0.50% · 4.625%
HK$124,823
+HK$7,159/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$235,328/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,175
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,479
−HK$3,351/mo
Today · 4.125%
HK$129,830
baseline
▲ 0.50% · 4.625%
HK$136,674
+HK$6,844/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$259,660/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,174
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$133,192
−HK$4,082/mo
Today · 4.125%
HK$137,274
baseline
▲ 0.50% · 4.625%
HK$145,627
+HK$8,353/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,548/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,705
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,559
−HK$3,909/mo
Today · 4.125%
HK$151,468
baseline
▲ 0.50% · 4.625%
HK$159,453
+HK$7,985/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,936/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,081
−HK$10,414/mo
▼ 0.25% · 3.875%
HK$171,247
−HK$5,248/mo
Today · 4.125%
HK$176,495
baseline
▲ 0.50% · 4.625%
HK$187,235
+HK$10,740/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$352,990/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,763
−HK$9,982/mo
▼ 0.25% · 3.875%
HK$189,718
−HK$5,027/mo
Today · 4.125%
HK$194,745
baseline
▲ 0.50% · 4.625%
HK$205,010
+HK$10,265/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$389,490/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,696 · Scale 2, in force from 26 Feb 2026)