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$92,816
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,704
−HK$2,933/mo
Today · 4.125%
HK$98,637
baseline
▲ 0.50% · 4.625%
HK$104,639
+HK$6,002/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,274/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,257
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,027
−HK$2,809/mo
Today · 4.125%
HK$108,836
baseline
▲ 0.50% · 4.625%
HK$114,573
+HK$5,737/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,672/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,380
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,844
−HK$3,520/mo
Today · 4.125%
HK$118,364
baseline
▲ 0.50% · 4.625%
HK$125,566
+HK$7,202/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,728/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,909
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,232
−HK$3,371/mo
Today · 4.125%
HK$130,603
baseline
▲ 0.50% · 4.625%
HK$137,488
+HK$6,885/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,206/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,943
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,985
−HK$4,107/mo
Today · 4.125%
HK$138,092
baseline
▲ 0.50% · 4.625%
HK$146,494
+HK$8,402/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,184/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,560
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,437
−HK$3,933/mo
Today · 4.125%
HK$152,370
baseline
▲ 0.50% · 4.625%
HK$160,402
+HK$8,032/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,740/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,070
−HK$10,476/mo
▼ 0.25% · 3.875%
HK$172,266
−HK$5,280/mo
Today · 4.125%
HK$177,546
baseline
▲ 0.50% · 4.625%
HK$188,350
+HK$10,804/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$355,092/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,863
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$190,848
−HK$5,057/mo
Today · 4.125%
HK$195,905
baseline
▲ 0.50% · 4.625%
HK$206,231
+HK$10,326/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$391,810/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,937 · Scale 2, in force from 26 Feb 2026)