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$93,051
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,945
−HK$2,941/mo
Today · 4.125%
HK$98,886
baseline
▲ 0.50% · 4.625%
HK$104,903
+HK$6,017/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,772/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,518
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,294
−HK$2,817/mo
Today · 4.125%
HK$109,111
baseline
▲ 0.50% · 4.625%
HK$114,862
+HK$5,751/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,222/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,661
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,134
−HK$3,529/mo
Today · 4.125%
HK$118,663
baseline
▲ 0.50% · 4.625%
HK$125,883
+HK$7,220/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,326/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,222
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$127,553
−HK$3,380/mo
Today · 4.125%
HK$130,933
baseline
▲ 0.50% · 4.625%
HK$137,835
+HK$6,902/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,866/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,271
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$134,323
−HK$4,117/mo
Today · 4.125%
HK$138,440
baseline
▲ 0.50% · 4.625%
HK$146,864
+HK$8,424/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$276,880/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,925
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$148,812
−HK$3,943/mo
Today · 4.125%
HK$152,755
baseline
▲ 0.50% · 4.625%
HK$160,807
+HK$8,052/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$305,510/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,491
−HK$10,504/mo
▼ 0.25% · 3.875%
HK$172,701
−HK$5,294/mo
Today · 4.125%
HK$177,995
baseline
▲ 0.50% · 4.625%
HK$188,825
+HK$10,830/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$355,990/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,333
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$191,330
−HK$5,070/mo
Today · 4.125%
HK$196,400
baseline
▲ 0.50% · 4.625%
HK$206,752
+HK$10,352/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$392,800/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,305 · Scale 2, in force from 26 Feb 2026)