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$92,438
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$95,313
−HK$2,922/mo
Today · 4.125%
HK$98,235
baseline
▲ 0.50% · 4.625%
HK$104,212
+HK$5,977/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,470/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,836
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$105,594
−HK$2,798/mo
Today · 4.125%
HK$108,392
baseline
▲ 0.50% · 4.625%
HK$114,106
+HK$5,714/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,784/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,926
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,376
−HK$3,506/mo
Today · 4.125%
HK$117,882
baseline
▲ 0.50% · 4.625%
HK$125,054
+HK$7,172/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$235,764/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,404
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,713
−HK$3,358/mo
Today · 4.125%
HK$130,071
baseline
▲ 0.50% · 4.625%
HK$136,927
+HK$6,856/mo
Deposit HK$16.22M · loan HK$24.32M · min. income ≈ HK$260,142/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,413
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$133,439
−HK$4,089/mo
Today · 4.125%
HK$137,528
baseline
▲ 0.50% · 4.625%
HK$145,897
+HK$8,369/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$275,056/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,971
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,832
−HK$3,917/mo
Today · 4.125%
HK$151,749
baseline
▲ 0.50% · 4.625%
HK$159,748
+HK$7,999/mo
Deposit HK$12.16M · loan HK$28.38M · min. income ≈ HK$303,498/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,388
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$171,564
−HK$5,258/mo
Today · 4.125%
HK$176,822
baseline
▲ 0.50% · 4.625%
HK$187,581
+HK$10,759/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,644/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,105
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$190,070
−HK$5,036/mo
Today · 4.125%
HK$195,106
baseline
▲ 0.50% · 4.625%
HK$205,390
+HK$10,284/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,212/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,882 · Scale 2, in force from 26 Feb 2026)