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$92,543
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,422
−HK$2,925/mo
Today · 4.125%
HK$98,347
baseline
▲ 0.50% · 4.625%
HK$104,331
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,694/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,954
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,715
−HK$2,801/mo
Today · 4.125%
HK$108,516
baseline
▲ 0.50% · 4.625%
HK$114,236
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,032/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,052
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,506
−HK$3,510/mo
Today · 4.125%
HK$118,016
baseline
▲ 0.50% · 4.625%
HK$125,197
+HK$7,181/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,032/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,544
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,858
−HK$3,361/mo
Today · 4.125%
HK$130,219
baseline
▲ 0.50% · 4.625%
HK$137,083
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,438/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,561
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,591
−HK$4,094/mo
Today · 4.125%
HK$137,685
baseline
▲ 0.50% · 4.625%
HK$146,063
+HK$8,378/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$275,370/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,135
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$148,001
−HK$3,921/mo
Today · 4.125%
HK$151,922
baseline
▲ 0.50% · 4.625%
HK$159,930
+HK$8,008/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$303,844/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,578
−HK$10,446/mo
▼ 0.25% · 3.875%
HK$171,760
−HK$5,264/mo
Today · 4.125%
HK$177,024
baseline
▲ 0.50% · 4.625%
HK$187,796
+HK$10,772/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,048/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,316
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$190,287
−HK$5,042/mo
Today · 4.125%
HK$195,329
baseline
▲ 0.50% · 4.625%
HK$205,625
+HK$10,296/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,658/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,848 · Scale 2, in force from 26 Feb 2026)