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$92,310
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$95,181
−HK$2,917/mo
Today · 4.125%
HK$98,098
baseline
▲ 0.50% · 4.625%
HK$104,067
+HK$5,969/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$196,196/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,694
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$105,448
−HK$2,794/mo
Today · 4.125%
HK$108,242
baseline
▲ 0.50% · 4.625%
HK$113,947
+HK$5,705/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$216,484/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,772
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,217
−HK$3,501/mo
Today · 4.125%
HK$117,718
baseline
▲ 0.50% · 4.625%
HK$124,881
+HK$7,163/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$235,436/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,232
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,537
−HK$3,353/mo
Today · 4.125%
HK$129,890
baseline
▲ 0.50% · 4.625%
HK$136,737
+HK$6,847/mo
Deposit HK$16.19M · loan HK$24.29M · min. income ≈ HK$259,780/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,234
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$133,254
−HK$4,084/mo
Today · 4.125%
HK$137,338
baseline
▲ 0.50% · 4.625%
HK$145,694
+HK$8,356/mo
Deposit HK$12.14M · loan HK$28.34M · min. income ≈ HK$274,676/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,771
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,627
−HK$3,912/mo
Today · 4.125%
HK$151,539
baseline
▲ 0.50% · 4.625%
HK$159,526
+HK$7,987/mo
Deposit HK$12.14M · loan HK$28.34M · min. income ≈ HK$303,078/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,158
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$171,326
−HK$5,251/mo
Today · 4.125%
HK$176,577
baseline
▲ 0.50% · 4.625%
HK$187,321
+HK$10,744/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$353,154/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,849
−HK$9,986/mo
▼ 0.25% · 3.875%
HK$189,806
−HK$5,029/mo
Today · 4.125%
HK$194,835
baseline
▲ 0.50% · 4.625%
HK$205,105
+HK$10,270/mo
Deposit HK$4.05M · loan HK$36.43M · min. income ≈ HK$389,670/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,493 · Scale 2, in force from 26 Feb 2026)