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$92,260
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,130
−HK$2,916/mo
Today · 4.125%
HK$98,046
baseline
▲ 0.50% · 4.625%
HK$104,012
+HK$5,966/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,092/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,638
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,391
−HK$2,793/mo
Today · 4.125%
HK$108,184
baseline
▲ 0.50% · 4.625%
HK$113,886
+HK$5,702/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,368/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,712
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,156
−HK$3,499/mo
Today · 4.125%
HK$117,655
baseline
▲ 0.50% · 4.625%
HK$124,814
+HK$7,159/mo
Deposit HK$16.18M · loan HK$24.28M · min. income ≈ HK$235,310/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,166
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,469
−HK$3,351/mo
Today · 4.125%
HK$129,820
baseline
▲ 0.50% · 4.625%
HK$136,663
+HK$6,843/mo
Deposit HK$16.18M · loan HK$24.28M · min. income ≈ HK$259,640/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,164
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$133,182
−HK$4,082/mo
Today · 4.125%
HK$137,264
baseline
▲ 0.50% · 4.625%
HK$145,616
+HK$8,352/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,528/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,694
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,548
−HK$3,909/mo
Today · 4.125%
HK$151,457
baseline
▲ 0.50% · 4.625%
HK$159,441
+HK$7,984/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,914/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,068
−HK$10,414/mo
▼ 0.25% · 3.875%
HK$171,234
−HK$5,248/mo
Today · 4.125%
HK$176,482
baseline
▲ 0.50% · 4.625%
HK$187,221
+HK$10,739/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$352,964/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,749
−HK$9,982/mo
▼ 0.25% · 3.875%
HK$189,704
−HK$5,027/mo
Today · 4.125%
HK$194,731
baseline
▲ 0.50% · 4.625%
HK$204,995
+HK$10,264/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$389,462/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,568 · Scale 2, in force from 26 Feb 2026)