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$92,204
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$95,073
−HK$2,913/mo
Today · 4.125%
HK$97,986
baseline
▲ 0.50% · 4.625%
HK$103,949
+HK$5,963/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$195,972/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,577
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$105,328
−HK$2,790/mo
Today · 4.125%
HK$108,118
baseline
▲ 0.50% · 4.625%
HK$113,817
+HK$5,699/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,236/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,645
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,087
−HK$3,497/mo
Today · 4.125%
HK$117,584
baseline
▲ 0.50% · 4.625%
HK$124,738
+HK$7,154/mo
Deposit HK$16.17M · loan HK$24.26M · min. income ≈ HK$235,168/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,092
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,393
−HK$3,349/mo
Today · 4.125%
HK$129,742
baseline
▲ 0.50% · 4.625%
HK$136,581
+HK$6,839/mo
Deposit HK$16.17M · loan HK$24.26M · min. income ≈ HK$259,484/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,086
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,102
−HK$4,079/mo
Today · 4.125%
HK$137,181
baseline
▲ 0.50% · 4.625%
HK$145,528
+HK$8,347/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$274,362/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,607
−HK$7,759/mo
▼ 0.25% · 3.875%
HK$147,459
−HK$3,907/mo
Today · 4.125%
HK$151,366
baseline
▲ 0.50% · 4.625%
HK$159,344
+HK$7,978/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$302,732/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,968
−HK$10,408/mo
▼ 0.25% · 3.875%
HK$171,131
−HK$5,245/mo
Today · 4.125%
HK$176,376
baseline
▲ 0.50% · 4.625%
HK$187,108
+HK$10,732/mo
Deposit HK$4.04M · loan HK$36.39M · min. income ≈ HK$352,752/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,638
−HK$9,975/mo
▼ 0.25% · 3.875%
HK$189,590
−HK$5,023/mo
Today · 4.125%
HK$194,613
baseline
▲ 0.50% · 4.625%
HK$204,871
+HK$10,258/mo
Deposit HK$4.04M · loan HK$36.39M · min. income ≈ HK$389,226/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,530 · Scale 2, in force from 26 Feb 2026)