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$92,270
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,140
−HK$2,916/mo
Today · 4.125%
HK$98,056
baseline
▲ 0.50% · 4.625%
HK$104,023
+HK$5,967/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,112/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,649
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,402
−HK$2,793/mo
Today · 4.125%
HK$108,195
baseline
▲ 0.50% · 4.625%
HK$113,898
+HK$5,703/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,390/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,724
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,168
−HK$3,499/mo
Today · 4.125%
HK$117,667
baseline
▲ 0.50% · 4.625%
HK$124,827
+HK$7,160/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$235,334/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,179
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,483
−HK$3,351/mo
Today · 4.125%
HK$129,834
baseline
▲ 0.50% · 4.625%
HK$136,678
+HK$6,844/mo
Deposit HK$16.19M · loan HK$24.28M · min. income ≈ HK$259,668/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,178
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,196
−HK$4,083/mo
Today · 4.125%
HK$137,279
baseline
▲ 0.50% · 4.625%
HK$145,632
+HK$8,353/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$274,558/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,709
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,563
−HK$3,910/mo
Today · 4.125%
HK$151,473
baseline
▲ 0.50% · 4.625%
HK$159,458
+HK$7,985/mo
Deposit HK$12.14M · loan HK$28.33M · min. income ≈ HK$302,946/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,086
−HK$10,415/mo
▼ 0.25% · 3.875%
HK$171,252
−HK$5,249/mo
Today · 4.125%
HK$176,501
baseline
▲ 0.50% · 4.625%
HK$187,241
+HK$10,740/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$353,002/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,769
−HK$9,983/mo
▼ 0.25% · 3.875%
HK$189,724
−HK$5,028/mo
Today · 4.125%
HK$194,752
baseline
▲ 0.50% · 4.625%
HK$205,017
+HK$10,265/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$389,504/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,753 · Scale 2, in force from 26 Feb 2026)