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$92,245
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,114
−HK$2,915/mo
Today · 4.125%
HK$98,029
baseline
▲ 0.50% · 4.625%
HK$103,994
+HK$5,965/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,058/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,621
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,374
−HK$2,792/mo
Today · 4.125%
HK$108,166
baseline
▲ 0.50% · 4.625%
HK$113,867
+HK$5,701/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,332/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,694
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,137
−HK$3,498/mo
Today · 4.125%
HK$117,635
baseline
▲ 0.50% · 4.625%
HK$124,793
+HK$7,158/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,270/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,146
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,448
−HK$3,351/mo
Today · 4.125%
HK$129,799
baseline
▲ 0.50% · 4.625%
HK$136,641
+HK$6,842/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,598/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,143
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$133,160
−HK$4,081/mo
Today · 4.125%
HK$137,241
baseline
▲ 0.50% · 4.625%
HK$145,592
+HK$8,351/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,482/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,670
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,523
−HK$3,909/mo
Today · 4.125%
HK$151,432
baseline
▲ 0.50% · 4.625%
HK$159,414
+HK$7,982/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,864/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,040
−HK$10,413/mo
▼ 0.25% · 3.875%
HK$171,205
−HK$5,248/mo
Today · 4.125%
HK$176,453
baseline
▲ 0.50% · 4.625%
HK$187,189
+HK$10,736/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$352,906/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,718
−HK$9,980/mo
▼ 0.25% · 3.875%
HK$189,672
−HK$5,026/mo
Today · 4.125%
HK$194,698
baseline
▲ 0.50% · 4.625%
HK$204,961
+HK$10,263/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$389,396/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,281 · Scale 2, in force from 26 Feb 2026)