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$92,812
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,699
−HK$2,933/mo
Today · 4.125%
HK$98,632
baseline
▲ 0.50% · 4.625%
HK$104,633
+HK$6,001/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,264/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,252
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,021
−HK$2,809/mo
Today · 4.125%
HK$108,830
baseline
▲ 0.50% · 4.625%
HK$114,567
+HK$5,737/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,660/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,374
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,838
−HK$3,520/mo
Today · 4.125%
HK$118,358
baseline
▲ 0.50% · 4.625%
HK$125,560
+HK$7,202/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,716/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,902
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,225
−HK$3,372/mo
Today · 4.125%
HK$130,597
baseline
▲ 0.50% · 4.625%
HK$137,480
+HK$6,883/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,194/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,936
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,978
−HK$4,107/mo
Today · 4.125%
HK$138,085
baseline
▲ 0.50% · 4.625%
HK$146,487
+HK$8,402/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,170/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,553
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,430
−HK$3,933/mo
Today · 4.125%
HK$152,363
baseline
▲ 0.50% · 4.625%
HK$160,394
+HK$8,031/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,726/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,061
−HK$10,476/mo
▼ 0.25% · 3.875%
HK$172,258
−HK$5,279/mo
Today · 4.125%
HK$177,537
baseline
▲ 0.50% · 4.625%
HK$188,340
+HK$10,803/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$355,074/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,854
−HK$10,041/mo
▼ 0.25% · 3.875%
HK$190,838
−HK$5,057/mo
Today · 4.125%
HK$195,895
baseline
▲ 0.50% · 4.625%
HK$206,221
+HK$10,326/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$391,790/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,848 · Scale 2, in force from 26 Feb 2026)