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$92,342
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,214
−HK$2,918/mo
Today · 4.125%
HK$98,132
baseline
▲ 0.50% · 4.625%
HK$104,103
+HK$5,971/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$196,264/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,729
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,484
−HK$2,795/mo
Today · 4.125%
HK$108,279
baseline
▲ 0.50% · 4.625%
HK$113,987
+HK$5,708/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$216,558/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,810
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,257
−HK$3,502/mo
Today · 4.125%
HK$117,759
baseline
▲ 0.50% · 4.625%
HK$124,924
+HK$7,165/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$235,518/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,275
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,581
−HK$3,354/mo
Today · 4.125%
HK$129,935
baseline
▲ 0.50% · 4.625%
HK$136,784
+HK$6,849/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$259,870/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,278
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$133,300
−HK$4,085/mo
Today · 4.125%
HK$137,385
baseline
▲ 0.50% · 4.625%
HK$145,745
+HK$8,360/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$274,770/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,821
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$147,678
−HK$3,913/mo
Today · 4.125%
HK$151,591
baseline
▲ 0.50% · 4.625%
HK$159,582
+HK$7,991/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$303,182/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,215
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$171,385
−HK$5,253/mo
Today · 4.125%
HK$176,638
baseline
▲ 0.50% · 4.625%
HK$187,386
+HK$10,748/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$353,276/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,913
−HK$9,990/mo
▼ 0.25% · 3.875%
HK$189,872
−HK$5,031/mo
Today · 4.125%
HK$194,903
baseline
▲ 0.50% · 4.625%
HK$205,176
+HK$10,273/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$389,806/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,088 · Scale 2, in force from 26 Feb 2026)