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$92,487
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,364
−HK$2,923/mo
Today · 4.125%
HK$98,287
baseline
▲ 0.50% · 4.625%
HK$104,267
+HK$5,980/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,574/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,891
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,650
−HK$2,800/mo
Today · 4.125%
HK$108,450
baseline
▲ 0.50% · 4.625%
HK$114,166
+HK$5,716/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,900/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,984
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,437
−HK$3,507/mo
Today · 4.125%
HK$117,944
baseline
▲ 0.50% · 4.625%
HK$125,121
+HK$7,177/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$235,888/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,469
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,780
−HK$3,360/mo
Today · 4.125%
HK$130,140
baseline
▲ 0.50% · 4.625%
HK$136,999
+HK$6,859/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$260,280/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,482
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,509
−HK$4,092/mo
Today · 4.125%
HK$137,601
baseline
▲ 0.50% · 4.625%
HK$145,974
+HK$8,373/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,202/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,047
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,910
−HK$3,920/mo
Today · 4.125%
HK$151,830
baseline
▲ 0.50% · 4.625%
HK$159,833
+HK$8,003/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,660/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,476
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$171,655
−HK$5,261/mo
Today · 4.125%
HK$176,916
baseline
▲ 0.50% · 4.625%
HK$187,681
+HK$10,765/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,832/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,203
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$190,170
−HK$5,039/mo
Today · 4.125%
HK$195,209
baseline
▲ 0.50% · 4.625%
HK$205,499
+HK$10,290/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,418/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,795 · Scale 2, in force from 26 Feb 2026)