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$92,338
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,210
−HK$2,918/mo
Today · 4.125%
HK$98,128
baseline
▲ 0.50% · 4.625%
HK$104,099
+HK$5,971/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$196,256/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,725
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,480
−HK$2,795/mo
Today · 4.125%
HK$108,275
baseline
▲ 0.50% · 4.625%
HK$113,982
+HK$5,707/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$216,550/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,806
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,252
−HK$3,502/mo
Today · 4.125%
HK$117,754
baseline
▲ 0.50% · 4.625%
HK$124,919
+HK$7,165/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$235,508/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,270
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,576
−HK$3,354/mo
Today · 4.125%
HK$129,930
baseline
▲ 0.50% · 4.625%
HK$136,779
+HK$6,849/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$259,860/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,273
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$133,294
−HK$4,086/mo
Today · 4.125%
HK$137,380
baseline
▲ 0.50% · 4.625%
HK$145,739
+HK$8,359/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$274,760/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,815
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$147,672
−HK$3,913/mo
Today · 4.125%
HK$151,585
baseline
▲ 0.50% · 4.625%
HK$159,575
+HK$7,990/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$303,170/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,208
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$171,378
−HK$5,253/mo
Today · 4.125%
HK$176,631
baseline
▲ 0.50% · 4.625%
HK$187,379
+HK$10,748/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$353,262/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,905
−HK$9,990/mo
▼ 0.25% · 3.875%
HK$189,864
−HK$5,031/mo
Today · 4.125%
HK$194,895
baseline
▲ 0.50% · 4.625%
HK$205,168
+HK$10,273/mo
Deposit HK$4.05M · loan HK$36.45M · min. income ≈ HK$389,790/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,019 · Scale 2, in force from 26 Feb 2026)