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$92,600
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,480
−HK$2,926/mo
Today · 4.125%
HK$98,406
baseline
▲ 0.50% · 4.625%
HK$104,394
+HK$5,988/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,812/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,016
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,779
−HK$2,803/mo
Today · 4.125%
HK$108,582
baseline
▲ 0.50% · 4.625%
HK$114,305
+HK$5,723/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,164/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,119
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,576
−HK$3,512/mo
Today · 4.125%
HK$118,088
baseline
▲ 0.50% · 4.625%
HK$125,273
+HK$7,185/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$236,176/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,619
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,935
−HK$3,363/mo
Today · 4.125%
HK$130,298
baseline
▲ 0.50% · 4.625%
HK$137,166
+HK$6,868/mo
Deposit HK$16.24M · loan HK$24.37M · min. income ≈ HK$260,596/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,639
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,672
−HK$4,097/mo
Today · 4.125%
HK$137,769
baseline
▲ 0.50% · 4.625%
HK$146,152
+HK$8,383/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,538/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,223
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,091
−HK$3,923/mo
Today · 4.125%
HK$152,014
baseline
▲ 0.50% · 4.625%
HK$160,027
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,028/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,679
−HK$10,453/mo
▼ 0.25% · 3.875%
HK$171,864
−HK$5,268/mo
Today · 4.125%
HK$177,132
baseline
▲ 0.50% · 4.625%
HK$187,910
+HK$10,778/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,264/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,429
−HK$10,018/mo
▼ 0.25% · 3.875%
HK$190,402
−HK$5,045/mo
Today · 4.125%
HK$195,447
baseline
▲ 0.50% · 4.625%
HK$205,749
+HK$10,302/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,894/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,895 · Scale 2, in force from 26 Feb 2026)