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$92,492
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,369
−HK$2,923/mo
Today · 4.125%
HK$98,292
baseline
▲ 0.50% · 4.625%
HK$104,272
+HK$5,980/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,584/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,896
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,656
−HK$2,799/mo
Today · 4.125%
HK$108,455
baseline
▲ 0.50% · 4.625%
HK$114,172
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,910/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,990
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,442
−HK$3,508/mo
Today · 4.125%
HK$117,950
baseline
▲ 0.50% · 4.625%
HK$125,127
+HK$7,177/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$235,900/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,475
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,787
−HK$3,359/mo
Today · 4.125%
HK$130,146
baseline
▲ 0.50% · 4.625%
HK$137,006
+HK$6,860/mo
Deposit HK$16.22M · loan HK$24.34M · min. income ≈ HK$260,292/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,488
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,516
−HK$4,092/mo
Today · 4.125%
HK$137,608
baseline
▲ 0.50% · 4.625%
HK$145,981
+HK$8,373/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,216/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,054
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,918
−HK$3,919/mo
Today · 4.125%
HK$151,837
baseline
▲ 0.50% · 4.625%
HK$159,841
+HK$8,004/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,674/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,485
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$171,664
−HK$5,261/mo
Today · 4.125%
HK$176,925
baseline
▲ 0.50% · 4.625%
HK$187,690
+HK$10,765/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,850/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,213
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$190,180
−HK$5,039/mo
Today · 4.125%
HK$195,219
baseline
▲ 0.50% · 4.625%
HK$205,510
+HK$10,291/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,438/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,883 · Scale 2, in force from 26 Feb 2026)