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$92,782
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,668
−HK$2,932/mo
Today · 4.125%
HK$98,600
baseline
▲ 0.50% · 4.625%
HK$104,600
+HK$6,000/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,200/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,219
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,987
−HK$2,808/mo
Today · 4.125%
HK$108,795
baseline
▲ 0.50% · 4.625%
HK$114,530
+HK$5,735/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,590/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,338
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,801
−HK$3,519/mo
Today · 4.125%
HK$118,320
baseline
▲ 0.50% · 4.625%
HK$125,519
+HK$7,199/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$236,640/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,862
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,184
−HK$3,370/mo
Today · 4.125%
HK$130,554
baseline
▲ 0.50% · 4.625%
HK$137,436
+HK$6,882/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$261,108/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,894
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,935
−HK$4,105/mo
Today · 4.125%
HK$138,040
baseline
▲ 0.50% · 4.625%
HK$146,439
+HK$8,399/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,080/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,506
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,382
−HK$3,931/mo
Today · 4.125%
HK$152,313
baseline
▲ 0.50% · 4.625%
HK$160,342
+HK$8,029/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,626/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,007
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$172,202
−HK$5,278/mo
Today · 4.125%
HK$177,480
baseline
▲ 0.50% · 4.625%
HK$188,279
+HK$10,799/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,960/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,794
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$190,777
−HK$5,055/mo
Today · 4.125%
HK$195,832
baseline
▲ 0.50% · 4.625%
HK$206,154
+HK$10,322/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,664/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,290 · Scale 2, in force from 26 Feb 2026)