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$92,532
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,410
−HK$2,924/mo
Today · 4.125%
HK$98,334
baseline
▲ 0.50% · 4.625%
HK$104,318
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,668/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,941
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,701
−HK$2,801/mo
Today · 4.125%
HK$108,502
baseline
▲ 0.50% · 4.625%
HK$114,221
+HK$5,719/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,004/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,038
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,492
−HK$3,509/mo
Today · 4.125%
HK$118,001
baseline
▲ 0.50% · 4.625%
HK$125,181
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,002/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,529
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,842
−HK$3,361/mo
Today · 4.125%
HK$130,203
baseline
▲ 0.50% · 4.625%
HK$137,066
+HK$6,863/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,406/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,544
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,574
−HK$4,094/mo
Today · 4.125%
HK$137,668
baseline
▲ 0.50% · 4.625%
HK$146,045
+HK$8,377/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,336/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,117
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,982
−HK$3,921/mo
Today · 4.125%
HK$151,903
baseline
▲ 0.50% · 4.625%
HK$159,910
+HK$8,007/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,806/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,557
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$171,738
−HK$5,264/mo
Today · 4.125%
HK$177,002
baseline
▲ 0.50% · 4.625%
HK$187,772
+HK$10,770/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,004/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,293
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$190,263
−HK$5,041/mo
Today · 4.125%
HK$195,304
baseline
▲ 0.50% · 4.625%
HK$205,599
+HK$10,295/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,608/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,630 · Scale 2, in force from 26 Feb 2026)