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$92,319
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,190
−HK$2,918/mo
Today · 4.125%
HK$98,108
baseline
▲ 0.50% · 4.625%
HK$104,077
+HK$5,969/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$196,216/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,703
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,458
−HK$2,794/mo
Today · 4.125%
HK$108,252
baseline
▲ 0.50% · 4.625%
HK$113,958
+HK$5,706/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$216,504/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,782
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,228
−HK$3,501/mo
Today · 4.125%
HK$117,729
baseline
▲ 0.50% · 4.625%
HK$124,893
+HK$7,164/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$235,458/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,244
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,549
−HK$3,354/mo
Today · 4.125%
HK$129,903
baseline
▲ 0.50% · 4.625%
HK$136,750
+HK$6,847/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$259,806/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,246
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,266
−HK$4,085/mo
Today · 4.125%
HK$137,351
baseline
▲ 0.50% · 4.625%
HK$145,708
+HK$8,357/mo
Deposit HK$12.15M · loan HK$28.34M · min. income ≈ HK$274,702/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,785
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,641
−HK$3,912/mo
Today · 4.125%
HK$151,553
baseline
▲ 0.50% · 4.625%
HK$159,542
+HK$7,989/mo
Deposit HK$12.15M · loan HK$28.34M · min. income ≈ HK$303,106/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,173
−HK$10,421/mo
▼ 0.25% · 3.875%
HK$171,342
−HK$5,252/mo
Today · 4.125%
HK$176,594
baseline
▲ 0.50% · 4.625%
HK$187,339
+HK$10,745/mo
Deposit HK$4.05M · loan HK$36.44M · min. income ≈ HK$353,188/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,866
−HK$9,988/mo
▼ 0.25% · 3.875%
HK$189,824
−HK$5,030/mo
Today · 4.125%
HK$194,854
baseline
▲ 0.50% · 4.625%
HK$205,125
+HK$10,271/mo
Deposit HK$4.05M · loan HK$36.44M · min. income ≈ HK$389,708/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,657 · Scale 2, in force from 26 Feb 2026)