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$92,278
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$95,149
−HK$2,916/mo
Today · 4.125%
HK$98,065
baseline
▲ 0.50% · 4.625%
HK$104,032
+HK$5,967/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,130/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,659
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,412
−HK$2,793/mo
Today · 4.125%
HK$108,205
baseline
▲ 0.50% · 4.625%
HK$113,909
+HK$5,704/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,410/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,734
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,179
−HK$3,499/mo
Today · 4.125%
HK$117,678
baseline
▲ 0.50% · 4.625%
HK$124,839
+HK$7,161/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$235,356/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,191
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,495
−HK$3,351/mo
Today · 4.125%
HK$129,846
baseline
▲ 0.50% · 4.625%
HK$136,691
+HK$6,845/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$259,692/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,190
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,208
−HK$4,083/mo
Today · 4.125%
HK$137,291
baseline
▲ 0.50% · 4.625%
HK$145,645
+HK$8,354/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$274,582/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,722
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,577
−HK$3,910/mo
Today · 4.125%
HK$151,487
baseline
▲ 0.50% · 4.625%
HK$159,472
+HK$7,985/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$302,974/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,101
−HK$10,416/mo
▼ 0.25% · 3.875%
HK$171,268
−HK$5,249/mo
Today · 4.125%
HK$176,517
baseline
▲ 0.50% · 4.625%
HK$187,258
+HK$10,741/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$353,034/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,786
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$189,742
−HK$5,027/mo
Today · 4.125%
HK$194,769
baseline
▲ 0.50% · 4.625%
HK$205,036
+HK$10,267/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$389,538/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,910 · Scale 2, in force from 26 Feb 2026)