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$92,321
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,192
−HK$2,918/mo
Today · 4.125%
HK$98,110
baseline
▲ 0.50% · 4.625%
HK$104,080
+HK$5,970/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$196,220/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,706
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,460
−HK$2,795/mo
Today · 4.125%
HK$108,255
baseline
▲ 0.50% · 4.625%
HK$113,961
+HK$5,706/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$216,510/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,785
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,231
−HK$3,501/mo
Today · 4.125%
HK$117,732
baseline
▲ 0.50% · 4.625%
HK$124,896
+HK$7,164/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$235,464/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,247
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,552
−HK$3,354/mo
Today · 4.125%
HK$129,906
baseline
▲ 0.50% · 4.625%
HK$136,753
+HK$6,847/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$259,812/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,249
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,269
−HK$4,085/mo
Today · 4.125%
HK$137,354
baseline
▲ 0.50% · 4.625%
HK$145,712
+HK$8,358/mo
Deposit HK$12.15M · loan HK$28.34M · min. income ≈ HK$274,708/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,788
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$147,645
−HK$3,912/mo
Today · 4.125%
HK$151,557
baseline
▲ 0.50% · 4.625%
HK$159,545
+HK$7,988/mo
Deposit HK$12.15M · loan HK$28.34M · min. income ≈ HK$303,114/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,177
−HK$10,421/mo
▼ 0.25% · 3.875%
HK$171,346
−HK$5,252/mo
Today · 4.125%
HK$176,598
baseline
▲ 0.50% · 4.625%
HK$187,344
+HK$10,746/mo
Deposit HK$4.05M · loan HK$36.44M · min. income ≈ HK$353,196/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,871
−HK$9,988/mo
▼ 0.25% · 3.875%
HK$189,829
−HK$5,030/mo
Today · 4.125%
HK$194,859
baseline
▲ 0.50% · 4.625%
HK$205,130
+HK$10,271/mo
Deposit HK$4.05M · loan HK$36.44M · min. income ≈ HK$389,718/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,697 · Scale 2, in force from 26 Feb 2026)