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$92,780
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,666
−HK$2,932/mo
Today · 4.125%
HK$98,598
baseline
▲ 0.50% · 4.625%
HK$104,597
+HK$5,999/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,196/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,216
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,985
−HK$2,808/mo
Today · 4.125%
HK$108,793
baseline
▲ 0.50% · 4.625%
HK$114,527
+HK$5,734/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,586/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,335
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,799
−HK$3,518/mo
Today · 4.125%
HK$118,317
baseline
▲ 0.50% · 4.625%
HK$125,517
+HK$7,200/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$236,634/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,860
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,181
−HK$3,370/mo
Today · 4.125%
HK$130,551
baseline
▲ 0.50% · 4.625%
HK$137,433
+HK$6,882/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$261,102/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,891
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,932
−HK$4,105/mo
Today · 4.125%
HK$138,037
baseline
▲ 0.50% · 4.625%
HK$146,436
+HK$8,399/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,074/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,503
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,378
−HK$3,932/mo
Today · 4.125%
HK$152,310
baseline
▲ 0.50% · 4.625%
HK$160,338
+HK$8,028/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,620/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,003
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$172,198
−HK$5,278/mo
Today · 4.125%
HK$177,476
baseline
▲ 0.50% · 4.625%
HK$188,275
+HK$10,799/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,952/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,789
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$190,772
−HK$5,055/mo
Today · 4.125%
HK$195,827
baseline
▲ 0.50% · 4.625%
HK$206,149
+HK$10,322/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,654/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,250 · Scale 2, in force from 26 Feb 2026)