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$92,810
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,697
−HK$2,933/mo
Today · 4.125%
HK$98,630
baseline
▲ 0.50% · 4.625%
HK$104,631
+HK$6,001/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,260/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,250
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,019
−HK$2,809/mo
Today · 4.125%
HK$108,828
baseline
▲ 0.50% · 4.625%
HK$114,565
+HK$5,737/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,656/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,372
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,836
−HK$3,520/mo
Today · 4.125%
HK$118,356
baseline
▲ 0.50% · 4.625%
HK$125,558
+HK$7,202/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,712/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,900
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,223
−HK$3,371/mo
Today · 4.125%
HK$130,594
baseline
▲ 0.50% · 4.625%
HK$137,478
+HK$6,884/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,188/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,934
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,976
−HK$4,106/mo
Today · 4.125%
HK$138,082
baseline
▲ 0.50% · 4.625%
HK$146,484
+HK$8,402/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,164/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,550
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,427
−HK$3,933/mo
Today · 4.125%
HK$152,360
baseline
▲ 0.50% · 4.625%
HK$160,391
+HK$8,031/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,720/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,058
−HK$10,476/mo
▼ 0.25% · 3.875%
HK$172,254
−HK$5,280/mo
Today · 4.125%
HK$177,534
baseline
▲ 0.50% · 4.625%
HK$188,336
+HK$10,802/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$355,068/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,850
−HK$10,041/mo
▼ 0.25% · 3.875%
HK$190,835
−HK$5,056/mo
Today · 4.125%
HK$195,891
baseline
▲ 0.50% · 4.625%
HK$206,217
+HK$10,326/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$391,782/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,816 · Scale 2, in force from 26 Feb 2026)