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$92,458
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,334
−HK$2,922/mo
Today · 4.125%
HK$98,256
baseline
▲ 0.50% · 4.625%
HK$104,234
+HK$5,978/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,512/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,858
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,617
−HK$2,799/mo
Today · 4.125%
HK$108,416
baseline
▲ 0.50% · 4.625%
HK$114,130
+HK$5,714/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,832/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,949
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,401
−HK$3,506/mo
Today · 4.125%
HK$117,907
baseline
▲ 0.50% · 4.625%
HK$125,081
+HK$7,174/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,814/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,430
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,741
−HK$3,358/mo
Today · 4.125%
HK$130,099
baseline
▲ 0.50% · 4.625%
HK$136,956
+HK$6,857/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,198/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,441
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,467
−HK$4,091/mo
Today · 4.125%
HK$137,558
baseline
▲ 0.50% · 4.625%
HK$145,928
+HK$8,370/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$275,116/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,002
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$147,864
−HK$3,918/mo
Today · 4.125%
HK$151,782
baseline
▲ 0.50% · 4.625%
HK$159,783
+HK$8,001/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$303,564/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,424
−HK$10,437/mo
▼ 0.25% · 3.875%
HK$171,601
−HK$5,260/mo
Today · 4.125%
HK$176,861
baseline
▲ 0.50% · 4.625%
HK$187,622
+HK$10,761/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$353,722/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,145
−HK$10,003/mo
▼ 0.25% · 3.875%
HK$190,111
−HK$5,037/mo
Today · 4.125%
HK$195,148
baseline
▲ 0.50% · 4.625%
HK$205,435
+HK$10,287/mo
Deposit HK$4.05M · loan HK$36.49M · min. income ≈ HK$390,296/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,255 · Scale 2, in force from 26 Feb 2026)