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$92,565
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$95,445
−HK$2,925/mo
Today · 4.125%
HK$98,370
baseline
▲ 0.50% · 4.625%
HK$104,356
+HK$5,986/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,740/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,978
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,740
−HK$2,802/mo
Today · 4.125%
HK$108,542
baseline
▲ 0.50% · 4.625%
HK$114,263
+HK$5,721/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,084/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,078
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,533
−HK$3,511/mo
Today · 4.125%
HK$118,044
baseline
▲ 0.50% · 4.625%
HK$125,227
+HK$7,183/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,088/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,574
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,888
−HK$3,362/mo
Today · 4.125%
HK$130,250
baseline
▲ 0.50% · 4.625%
HK$137,115
+HK$6,865/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,500/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,591
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$133,622
−HK$4,096/mo
Today · 4.125%
HK$137,718
baseline
▲ 0.50% · 4.625%
HK$146,098
+HK$8,380/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,436/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,169
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,036
−HK$3,922/mo
Today · 4.125%
HK$151,958
baseline
▲ 0.50% · 4.625%
HK$159,968
+HK$8,010/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,916/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,617
−HK$10,449/mo
▼ 0.25% · 3.875%
HK$171,800
−HK$5,266/mo
Today · 4.125%
HK$177,066
baseline
▲ 0.50% · 4.625%
HK$187,840
+HK$10,774/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$354,132/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,360
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$190,332
−HK$5,043/mo
Today · 4.125%
HK$195,375
baseline
▲ 0.50% · 4.625%
HK$205,673
+HK$10,298/mo
Deposit HK$4.06M · loan HK$36.53M · min. income ≈ HK$390,750/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,725,256 · Scale 2, in force from 26 Feb 2026)