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$92,196
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$95,063
−HK$2,914/mo
Today · 4.125%
HK$97,977
baseline
▲ 0.50% · 4.625%
HK$103,939
+HK$5,962/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$195,954/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,567
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,317
−HK$2,791/mo
Today · 4.125%
HK$108,108
baseline
▲ 0.50% · 4.625%
HK$113,806
+HK$5,698/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,216/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,635
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,076
−HK$3,496/mo
Today · 4.125%
HK$117,572
baseline
▲ 0.50% · 4.625%
HK$124,726
+HK$7,154/mo
Deposit HK$16.17M · loan HK$24.26M · min. income ≈ HK$235,144/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,080
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,381
−HK$3,349/mo
Today · 4.125%
HK$129,730
baseline
▲ 0.50% · 4.625%
HK$136,568
+HK$6,838/mo
Deposit HK$16.17M · loan HK$24.26M · min. income ≈ HK$259,460/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,074
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,089
−HK$4,079/mo
Today · 4.125%
HK$137,168
baseline
▲ 0.50% · 4.625%
HK$145,514
+HK$8,346/mo
Deposit HK$12.13M · loan HK$28.30M · min. income ≈ HK$274,336/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,593
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$147,444
−HK$3,907/mo
Today · 4.125%
HK$151,351
baseline
▲ 0.50% · 4.625%
HK$159,329
+HK$7,978/mo
Deposit HK$12.13M · loan HK$28.30M · min. income ≈ HK$302,702/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,952
−HK$10,407/mo
▼ 0.25% · 3.875%
HK$171,114
−HK$5,245/mo
Today · 4.125%
HK$176,359
baseline
▲ 0.50% · 4.625%
HK$187,090
+HK$10,731/mo
Deposit HK$4.04M · loan HK$36.39M · min. income ≈ HK$352,718/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,620
−HK$9,974/mo
▼ 0.25% · 3.875%
HK$189,571
−HK$5,023/mo
Today · 4.125%
HK$194,594
baseline
▲ 0.50% · 4.625%
HK$204,852
+HK$10,258/mo
Deposit HK$4.04M · loan HK$36.39M · min. income ≈ HK$389,188/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,364 · Scale 2, in force from 26 Feb 2026)