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$92,655
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,537
−HK$2,928/mo
Today · 4.125%
HK$98,465
baseline
▲ 0.50% · 4.625%
HK$104,457
+HK$5,992/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$196,930/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,078
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,842
−HK$2,805/mo
Today · 4.125%
HK$108,647
baseline
▲ 0.50% · 4.625%
HK$114,374
+HK$5,727/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,294/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,186
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,644
−HK$3,514/mo
Today · 4.125%
HK$118,158
baseline
▲ 0.50% · 4.625%
HK$125,348
+HK$7,190/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,316/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,693
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,011
−HK$3,365/mo
Today · 4.125%
HK$130,376
baseline
▲ 0.50% · 4.625%
HK$137,248
+HK$6,872/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,752/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,717
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,752
−HK$4,099/mo
Today · 4.125%
HK$137,851
baseline
▲ 0.50% · 4.625%
HK$146,239
+HK$8,388/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,702/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,309
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,179
−HK$3,926/mo
Today · 4.125%
HK$152,105
baseline
▲ 0.50% · 4.625%
HK$160,123
+HK$8,018/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,210/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,779
−HK$10,458/mo
▼ 0.25% · 3.875%
HK$171,967
−HK$5,270/mo
Today · 4.125%
HK$177,237
baseline
▲ 0.50% · 4.625%
HK$188,022
+HK$10,785/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,474/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,540
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$190,516
−HK$5,048/mo
Today · 4.125%
HK$195,564
baseline
▲ 0.50% · 4.625%
HK$205,872
+HK$10,308/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,128/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,927 · Scale 2, in force from 26 Feb 2026)