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$92,708
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,592
−HK$2,930/mo
Today · 4.125%
HK$98,522
baseline
▲ 0.50% · 4.625%
HK$104,517
+HK$5,995/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,044/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,137
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,903
−HK$2,806/mo
Today · 4.125%
HK$108,709
baseline
▲ 0.50% · 4.625%
HK$114,439
+HK$5,730/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,418/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,250
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,710
−HK$3,516/mo
Today · 4.125%
HK$118,226
baseline
▲ 0.50% · 4.625%
HK$125,420
+HK$7,194/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$236,452/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,764
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,084
−HK$3,367/mo
Today · 4.125%
HK$130,451
baseline
▲ 0.50% · 4.625%
HK$137,327
+HK$6,876/mo
Deposit HK$16.26M · loan HK$24.39M · min. income ≈ HK$260,902/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,791
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,829
−HK$4,101/mo
Today · 4.125%
HK$137,930
baseline
▲ 0.50% · 4.625%
HK$146,323
+HK$8,393/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$275,860/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,392
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,264
−HK$3,929/mo
Today · 4.125%
HK$152,193
baseline
▲ 0.50% · 4.625%
HK$160,215
+HK$8,022/mo
Deposit HK$12.20M · loan HK$28.46M · min. income ≈ HK$304,386/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,875
−HK$10,464/mo
▼ 0.25% · 3.875%
HK$172,065
−HK$5,274/mo
Today · 4.125%
HK$177,339
baseline
▲ 0.50% · 4.625%
HK$188,130
+HK$10,791/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$354,678/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,646
−HK$10,030/mo
▼ 0.25% · 3.875%
HK$190,625
−HK$5,051/mo
Today · 4.125%
HK$195,676
baseline
▲ 0.50% · 4.625%
HK$205,991
+HK$10,315/mo
Deposit HK$4.07M · loan HK$36.59M · min. income ≈ HK$391,352/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,918 · Scale 2, in force from 26 Feb 2026)