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$92,590
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,470
−HK$2,926/mo
Today · 4.125%
HK$98,396
baseline
▲ 0.50% · 4.625%
HK$104,383
+HK$5,987/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,792/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,005
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$105,768
−HK$2,802/mo
Today · 4.125%
HK$108,570
baseline
▲ 0.50% · 4.625%
HK$114,293
+HK$5,723/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,140/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,108
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,564
−HK$3,511/mo
Today · 4.125%
HK$118,075
baseline
▲ 0.50% · 4.625%
HK$125,260
+HK$7,185/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,150/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,606
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,921
−HK$3,363/mo
Today · 4.125%
HK$130,284
baseline
▲ 0.50% · 4.625%
HK$137,152
+HK$6,868/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,568/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,626
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,658
−HK$4,096/mo
Today · 4.125%
HK$137,754
baseline
▲ 0.50% · 4.625%
HK$146,136
+HK$8,382/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,508/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,207
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,075
−HK$3,923/mo
Today · 4.125%
HK$151,998
baseline
▲ 0.50% · 4.625%
HK$160,010
+HK$8,012/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,996/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,662
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,846
−HK$5,267/mo
Today · 4.125%
HK$177,113
baseline
▲ 0.50% · 4.625%
HK$187,890
+HK$10,777/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,226/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,409
−HK$10,017/mo
▼ 0.25% · 3.875%
HK$190,382
−HK$5,044/mo
Today · 4.125%
HK$195,426
baseline
▲ 0.50% · 4.625%
HK$205,728
+HK$10,302/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,852/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,712 · Scale 2, in force from 26 Feb 2026)