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$92,540
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,418
−HK$2,925/mo
Today · 4.125%
HK$98,343
baseline
▲ 0.50% · 4.625%
HK$104,327
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,686/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,950
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,711
−HK$2,801/mo
Today · 4.125%
HK$108,512
baseline
▲ 0.50% · 4.625%
HK$114,232
+HK$5,720/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,024/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,048
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,502
−HK$3,510/mo
Today · 4.125%
HK$118,012
baseline
▲ 0.50% · 4.625%
HK$125,192
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,024/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,540
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,853
−HK$3,361/mo
Today · 4.125%
HK$130,214
baseline
▲ 0.50% · 4.625%
HK$137,078
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,428/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,556
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,586
−HK$4,094/mo
Today · 4.125%
HK$137,680
baseline
▲ 0.50% · 4.625%
HK$146,058
+HK$8,378/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,360/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,130
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$147,995
−HK$3,922/mo
Today · 4.125%
HK$151,917
baseline
▲ 0.50% · 4.625%
HK$159,924
+HK$8,007/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,834/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,572
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$171,753
−HK$5,264/mo
Today · 4.125%
HK$177,017
baseline
▲ 0.50% · 4.625%
HK$187,789
+HK$10,772/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,034/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,310
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$190,279
−HK$5,042/mo
Today · 4.125%
HK$195,321
baseline
▲ 0.50% · 4.625%
HK$205,617
+HK$10,296/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,642/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,784 · Scale 2, in force from 26 Feb 2026)