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$92,246
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$95,116
−HK$2,915/mo
Today · 4.125%
HK$98,031
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,965/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,062/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,623
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,375
−HK$2,792/mo
Today · 4.125%
HK$108,167
baseline
▲ 0.50% · 4.625%
HK$113,869
+HK$5,702/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,334/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,696
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,139
−HK$3,498/mo
Today · 4.125%
HK$117,637
baseline
▲ 0.50% · 4.625%
HK$124,795
+HK$7,158/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,274/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,148
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,450
−HK$3,351/mo
Today · 4.125%
HK$129,801
baseline
▲ 0.50% · 4.625%
HK$136,643
+HK$6,842/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,602/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,145
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$133,162
−HK$4,081/mo
Today · 4.125%
HK$137,243
baseline
▲ 0.50% · 4.625%
HK$145,594
+HK$8,351/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,486/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,672
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,525
−HK$3,909/mo
Today · 4.125%
HK$151,434
baseline
▲ 0.50% · 4.625%
HK$159,417
+HK$7,983/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,868/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,043
−HK$10,413/mo
▼ 0.25% · 3.875%
HK$171,208
−HK$5,248/mo
Today · 4.125%
HK$176,456
baseline
▲ 0.50% · 4.625%
HK$187,193
+HK$10,737/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$352,912/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,721
−HK$9,980/mo
▼ 0.25% · 3.875%
HK$189,676
−HK$5,025/mo
Today · 4.125%
HK$194,701
baseline
▲ 0.50% · 4.625%
HK$204,964
+HK$10,263/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$389,402/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,310 · Scale 2, in force from 26 Feb 2026)