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$92,324
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$95,195
−HK$2,918/mo
Today · 4.125%
HK$98,113
baseline
▲ 0.50% · 4.625%
HK$104,083
+HK$5,970/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$196,226/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,709
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$105,464
−HK$2,794/mo
Today · 4.125%
HK$108,258
baseline
▲ 0.50% · 4.625%
HK$113,964
+HK$5,706/mo
Deposit HK$20.24M · loan HK$20.24M · min. income ≈ HK$216,516/mo (50% DSR)
Upfront cash ≈ HK$21.96M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,788
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,234
−HK$3,502/mo
Today · 4.125%
HK$117,736
baseline
▲ 0.50% · 4.625%
HK$124,900
+HK$7,164/mo
Deposit HK$16.20M · loan HK$24.29M · min. income ≈ HK$235,472/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,251
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,556
−HK$3,354/mo
Today · 4.125%
HK$129,910
baseline
▲ 0.50% · 4.625%
HK$136,757
+HK$6,847/mo
Deposit HK$16.20M · loan HK$24.29M · min. income ≈ HK$259,820/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,253
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,273
−HK$4,085/mo
Today · 4.125%
HK$137,358
baseline
▲ 0.50% · 4.625%
HK$145,716
+HK$8,358/mo
Deposit HK$12.15M · loan HK$28.34M · min. income ≈ HK$274,716/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,793
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,649
−HK$3,912/mo
Today · 4.125%
HK$151,561
baseline
▲ 0.50% · 4.625%
HK$159,550
+HK$7,989/mo
Deposit HK$12.15M · loan HK$28.34M · min. income ≈ HK$303,122/mo (50% DSR)
Upfront cash ≈ HK$13.87M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,182
−HK$10,421/mo
▼ 0.25% · 3.875%
HK$171,352
−HK$5,251/mo
Today · 4.125%
HK$176,603
baseline
▲ 0.50% · 4.625%
HK$187,349
+HK$10,746/mo
Deposit HK$4.05M · loan HK$36.44M · min. income ≈ HK$353,206/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,876
−HK$9,989/mo
▼ 0.25% · 3.875%
HK$189,834
−HK$5,031/mo
Today · 4.125%
HK$194,865
baseline
▲ 0.50% · 4.625%
HK$205,136
+HK$10,271/mo
Deposit HK$4.05M · loan HK$36.44M · min. income ≈ HK$389,730/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,720,750 · Scale 2, in force from 26 Feb 2026)