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$92,366
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,239
−HK$2,919/mo
Today · 4.125%
HK$98,158
baseline
▲ 0.50% · 4.625%
HK$104,130
+HK$5,972/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$196,316/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,756
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,512
−HK$2,795/mo
Today · 4.125%
HK$108,307
baseline
▲ 0.50% · 4.625%
HK$114,016
+HK$5,709/mo
Deposit HK$20.25M · loan HK$20.25M · min. income ≈ HK$216,614/mo (50% DSR)
Upfront cash ≈ HK$21.97M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,839
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,286
−HK$3,503/mo
Today · 4.125%
HK$117,789
baseline
▲ 0.50% · 4.625%
HK$124,956
+HK$7,167/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$235,578/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,307
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,614
−HK$3,355/mo
Today · 4.125%
HK$129,969
baseline
▲ 0.50% · 4.625%
HK$136,820
+HK$6,851/mo
Deposit HK$16.20M · loan HK$24.30M · min. income ≈ HK$259,938/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,312
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$133,334
−HK$4,087/mo
Today · 4.125%
HK$137,421
baseline
▲ 0.50% · 4.625%
HK$145,783
+HK$8,362/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$274,842/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,858
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$147,716
−HK$3,914/mo
Today · 4.125%
HK$151,630
baseline
▲ 0.50% · 4.625%
HK$159,623
+HK$7,993/mo
Deposit HK$12.15M · loan HK$28.35M · min. income ≈ HK$303,260/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,258
−HK$10,426/mo
▼ 0.25% · 3.875%
HK$171,430
−HK$5,254/mo
Today · 4.125%
HK$176,684
baseline
▲ 0.50% · 4.625%
HK$187,435
+HK$10,751/mo
Deposit HK$4.05M · loan HK$36.46M · min. income ≈ HK$353,368/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,960
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$189,921
−HK$5,032/mo
Today · 4.125%
HK$194,953
baseline
▲ 0.50% · 4.625%
HK$205,230
+HK$10,277/mo
Deposit HK$4.05M · loan HK$36.46M · min. income ≈ HK$389,906/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,534 · Scale 2, in force from 26 Feb 2026)