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$92,294
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,165
−HK$2,917/mo
Today · 4.125%
HK$98,082
baseline
▲ 0.50% · 4.625%
HK$104,050
+HK$5,968/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$196,164/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,676
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$105,430
−HK$2,793/mo
Today · 4.125%
HK$108,223
baseline
▲ 0.50% · 4.625%
HK$113,928
+HK$5,705/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$216,446/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,753
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,198
−HK$3,500/mo
Today · 4.125%
HK$117,698
baseline
▲ 0.50% · 4.625%
HK$124,859
+HK$7,161/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$235,396/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,211
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,516
−HK$3,352/mo
Today · 4.125%
HK$129,868
baseline
▲ 0.50% · 4.625%
HK$136,713
+HK$6,845/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$259,736/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,211
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$133,231
−HK$4,083/mo
Today · 4.125%
HK$137,314
baseline
▲ 0.50% · 4.625%
HK$145,669
+HK$8,355/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$274,628/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,746
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$147,602
−HK$3,911/mo
Today · 4.125%
HK$151,513
baseline
▲ 0.50% · 4.625%
HK$159,499
+HK$7,986/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$303,026/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,129
−HK$10,418/mo
▼ 0.25% · 3.875%
HK$171,297
−HK$5,250/mo
Today · 4.125%
HK$176,547
baseline
▲ 0.50% · 4.625%
HK$187,289
+HK$10,742/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$353,094/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,817
−HK$9,985/mo
▼ 0.25% · 3.875%
HK$189,774
−HK$5,028/mo
Today · 4.125%
HK$194,802
baseline
▲ 0.50% · 4.625%
HK$205,070
+HK$10,268/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$389,604/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,197 · Scale 2, in force from 26 Feb 2026)