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$92,813
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,700
−HK$2,934/mo
Today · 4.125%
HK$98,634
baseline
▲ 0.50% · 4.625%
HK$104,635
+HK$6,001/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,268/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,254
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,023
−HK$2,810/mo
Today · 4.125%
HK$108,833
baseline
▲ 0.50% · 4.625%
HK$114,569
+HK$5,736/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,666/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,376
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,841
−HK$3,519/mo
Today · 4.125%
HK$118,360
baseline
▲ 0.50% · 4.625%
HK$125,562
+HK$7,202/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,720/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,905
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,228
−HK$3,371/mo
Today · 4.125%
HK$130,599
baseline
▲ 0.50% · 4.625%
HK$137,483
+HK$6,884/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,198/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,939
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,981
−HK$4,106/mo
Today · 4.125%
HK$138,087
baseline
▲ 0.50% · 4.625%
HK$146,489
+HK$8,402/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,174/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,556
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,433
−HK$3,933/mo
Today · 4.125%
HK$152,366
baseline
▲ 0.50% · 4.625%
HK$160,397
+HK$8,031/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,732/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,064
−HK$10,477/mo
▼ 0.25% · 3.875%
HK$172,261
−HK$5,280/mo
Today · 4.125%
HK$177,541
baseline
▲ 0.50% · 4.625%
HK$188,344
+HK$10,803/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$355,082/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,857
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$190,842
−HK$5,057/mo
Today · 4.125%
HK$195,899
baseline
▲ 0.50% · 4.625%
HK$206,225
+HK$10,326/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$391,798/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,881 · Scale 2, in force from 26 Feb 2026)