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$92,594
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,474
−HK$2,926/mo
Today · 4.125%
HK$98,400
baseline
▲ 0.50% · 4.625%
HK$104,387
+HK$5,987/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,800/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,009
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,772
−HK$2,803/mo
Today · 4.125%
HK$108,575
baseline
▲ 0.50% · 4.625%
HK$114,298
+HK$5,723/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,150/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,112
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,569
−HK$3,511/mo
Today · 4.125%
HK$118,080
baseline
▲ 0.50% · 4.625%
HK$125,265
+HK$7,185/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,160/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,611
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,927
−HK$3,363/mo
Today · 4.125%
HK$130,290
baseline
▲ 0.50% · 4.625%
HK$137,157
+HK$6,867/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,580/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,631
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,663
−HK$4,097/mo
Today · 4.125%
HK$137,760
baseline
▲ 0.50% · 4.625%
HK$146,142
+HK$8,382/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,520/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,213
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,081
−HK$3,924/mo
Today · 4.125%
HK$152,005
baseline
▲ 0.50% · 4.625%
HK$160,017
+HK$8,012/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$304,010/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,669
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$171,853
−HK$5,267/mo
Today · 4.125%
HK$177,120
baseline
▲ 0.50% · 4.625%
HK$187,897
+HK$10,777/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,240/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,417
−HK$10,018/mo
▼ 0.25% · 3.875%
HK$190,390
−HK$5,045/mo
Today · 4.125%
HK$195,435
baseline
▲ 0.50% · 4.625%
HK$205,736
+HK$10,301/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,870/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,784 · Scale 2, in force from 26 Feb 2026)