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$92,555
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$95,434
−HK$2,925/mo
Today · 4.125%
HK$98,359
baseline
▲ 0.50% · 4.625%
HK$104,344
+HK$5,985/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,718/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,967
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$105,728
−HK$2,802/mo
Today · 4.125%
HK$108,530
baseline
▲ 0.50% · 4.625%
HK$114,250
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,060/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,066
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,521
−HK$3,510/mo
Today · 4.125%
HK$118,031
baseline
▲ 0.50% · 4.625%
HK$125,213
+HK$7,182/mo
Deposit HK$16.24M · loan HK$24.35M · min. income ≈ HK$236,062/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,560
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,874
−HK$3,362/mo
Today · 4.125%
HK$130,236
baseline
▲ 0.50% · 4.625%
HK$137,100
+HK$6,864/mo
Deposit HK$16.24M · loan HK$24.35M · min. income ≈ HK$260,472/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,577
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,608
−HK$4,095/mo
Today · 4.125%
HK$137,703
baseline
▲ 0.50% · 4.625%
HK$146,082
+HK$8,379/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$275,406/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,153
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,019
−HK$3,922/mo
Today · 4.125%
HK$151,941
baseline
▲ 0.50% · 4.625%
HK$159,951
+HK$8,010/mo
Deposit HK$12.18M · loan HK$28.41M · min. income ≈ HK$303,882/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,599
−HK$10,447/mo
▼ 0.25% · 3.875%
HK$171,781
−HK$5,265/mo
Today · 4.125%
HK$177,046
baseline
▲ 0.50% · 4.625%
HK$187,819
+HK$10,773/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,092/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,340
−HK$10,013/mo
▼ 0.25% · 3.875%
HK$190,311
−HK$5,042/mo
Today · 4.125%
HK$195,353
baseline
▲ 0.50% · 4.625%
HK$205,651
+HK$10,298/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,706/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,067 · Scale 2, in force from 26 Feb 2026)