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$92,503
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,380
−HK$2,924/mo
Today · 4.125%
HK$98,304
baseline
▲ 0.50% · 4.625%
HK$104,285
+HK$5,981/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,608/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,909
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,669
−HK$2,800/mo
Today · 4.125%
HK$108,469
baseline
▲ 0.50% · 4.625%
HK$114,186
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,938/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,004
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,457
−HK$3,508/mo
Today · 4.125%
HK$117,965
baseline
▲ 0.50% · 4.625%
HK$125,142
+HK$7,177/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,930/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,491
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,802
−HK$3,360/mo
Today · 4.125%
HK$130,162
baseline
▲ 0.50% · 4.625%
HK$137,023
+HK$6,861/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,324/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,504
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$133,533
−HK$4,092/mo
Today · 4.125%
HK$137,625
baseline
▲ 0.50% · 4.625%
HK$146,000
+HK$8,375/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,250/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,072
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$147,936
−HK$3,920/mo
Today · 4.125%
HK$151,856
baseline
▲ 0.50% · 4.625%
HK$159,861
+HK$8,005/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,712/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,506
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,685
−HK$5,262/mo
Today · 4.125%
HK$176,947
baseline
▲ 0.50% · 4.625%
HK$187,714
+HK$10,767/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,894/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,236
−HK$10,007/mo
▼ 0.25% · 3.875%
HK$190,204
−HK$5,039/mo
Today · 4.125%
HK$195,243
baseline
▲ 0.50% · 4.625%
HK$205,535
+HK$10,292/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,486/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,097 · Scale 2, in force from 26 Feb 2026)