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$92,475
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,352
−HK$2,922/mo
Today · 4.125%
HK$98,274
baseline
▲ 0.50% · 4.625%
HK$104,254
+HK$5,980/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,548/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,878
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,637
−HK$2,799/mo
Today · 4.125%
HK$108,436
baseline
▲ 0.50% · 4.625%
HK$114,152
+HK$5,716/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,872/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,970
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,422
−HK$3,507/mo
Today · 4.125%
HK$117,929
baseline
▲ 0.50% · 4.625%
HK$125,105
+HK$7,176/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,858/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,453
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,764
−HK$3,359/mo
Today · 4.125%
HK$130,123
baseline
▲ 0.50% · 4.625%
HK$136,982
+HK$6,859/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,246/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,465
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,492
−HK$4,092/mo
Today · 4.125%
HK$137,584
baseline
▲ 0.50% · 4.625%
HK$145,956
+HK$8,372/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,168/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,029
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,892
−HK$3,918/mo
Today · 4.125%
HK$151,810
baseline
▲ 0.50% · 4.625%
HK$159,813
+HK$8,003/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,620/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,455
−HK$10,439/mo
▼ 0.25% · 3.875%
HK$171,633
−HK$5,261/mo
Today · 4.125%
HK$176,894
baseline
▲ 0.50% · 4.625%
HK$187,657
+HK$10,763/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,788/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,180
−HK$10,005/mo
▼ 0.25% · 3.875%
HK$190,146
−HK$5,039/mo
Today · 4.125%
HK$195,185
baseline
▲ 0.50% · 4.625%
HK$205,473
+HK$10,288/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,370/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,578 · Scale 2, in force from 26 Feb 2026)