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$92,641
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,523
−HK$2,928/mo
Today · 4.125%
HK$98,451
baseline
▲ 0.50% · 4.625%
HK$104,441
+HK$5,990/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$196,902/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,062
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,826
−HK$2,805/mo
Today · 4.125%
HK$108,631
baseline
▲ 0.50% · 4.625%
HK$114,357
+HK$5,726/mo
Deposit HK$20.31M · loan HK$20.31M · min. income ≈ HK$217,262/mo (50% DSR)
Upfront cash ≈ HK$22.04M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,169
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,627
−HK$3,514/mo
Today · 4.125%
HK$118,141
baseline
▲ 0.50% · 4.625%
HK$125,329
+HK$7,188/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,282/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,675
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,992
−HK$3,365/mo
Today · 4.125%
HK$130,357
baseline
▲ 0.50% · 4.625%
HK$137,228
+HK$6,871/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,714/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,698
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,732
−HK$4,099/mo
Today · 4.125%
HK$137,831
baseline
▲ 0.50% · 4.625%
HK$146,218
+HK$8,387/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$275,662/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,287
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,157
−HK$3,926/mo
Today · 4.125%
HK$152,083
baseline
▲ 0.50% · 4.625%
HK$160,099
+HK$8,016/mo
Deposit HK$12.19M · loan HK$28.44M · min. income ≈ HK$304,166/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,754
−HK$10,457/mo
▼ 0.25% · 3.875%
HK$171,941
−HK$5,270/mo
Today · 4.125%
HK$177,211
baseline
▲ 0.50% · 4.625%
HK$187,994
+HK$10,783/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$354,422/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,512
−HK$10,023/mo
▼ 0.25% · 3.875%
HK$190,488
−HK$5,047/mo
Today · 4.125%
HK$195,535
baseline
▲ 0.50% · 4.625%
HK$205,842
+HK$10,307/mo
Deposit HK$4.06M · loan HK$36.56M · min. income ≈ HK$391,070/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,726,671 · Scale 2, in force from 26 Feb 2026)