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$92,219
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,088
−HK$2,914/mo
Today · 4.125%
HK$98,002
baseline
▲ 0.50% · 4.625%
HK$103,965
+HK$5,963/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$196,004/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,593
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,344
−HK$2,792/mo
Today · 4.125%
HK$108,136
baseline
▲ 0.50% · 4.625%
HK$113,836
+HK$5,700/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,272/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,663
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,105
−HK$3,498/mo
Today · 4.125%
HK$117,603
baseline
▲ 0.50% · 4.625%
HK$124,758
+HK$7,155/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,206/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,111
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,413
−HK$3,350/mo
Today · 4.125%
HK$129,763
baseline
▲ 0.50% · 4.625%
HK$136,603
+HK$6,840/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,526/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,107
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$133,123
−HK$4,080/mo
Today · 4.125%
HK$137,203
baseline
▲ 0.50% · 4.625%
HK$145,551
+HK$8,348/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$274,406/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,630
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$147,482
−HK$3,908/mo
Today · 4.125%
HK$151,390
baseline
▲ 0.50% · 4.625%
HK$159,370
+HK$7,980/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$302,780/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,995
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,158
−HK$5,246/mo
Today · 4.125%
HK$176,404
baseline
▲ 0.50% · 4.625%
HK$187,138
+HK$10,734/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$352,808/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,667
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$189,620
−HK$5,024/mo
Today · 4.125%
HK$194,644
baseline
▲ 0.50% · 4.625%
HK$204,904
+HK$10,260/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$389,288/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,805 · Scale 2, in force from 26 Feb 2026)