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$92,263
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$95,133
−HK$2,916/mo
Today · 4.125%
HK$98,049
baseline
▲ 0.50% · 4.625%
HK$104,015
+HK$5,966/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,098/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,641
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$105,394
−HK$2,793/mo
Today · 4.125%
HK$108,187
baseline
▲ 0.50% · 4.625%
HK$113,890
+HK$5,703/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,374/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,715
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,159
−HK$3,499/mo
Today · 4.125%
HK$117,658
baseline
▲ 0.50% · 4.625%
HK$124,817
+HK$7,159/mo
Deposit HK$16.18M · loan HK$24.28M · min. income ≈ HK$235,316/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,170
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,473
−HK$3,351/mo
Today · 4.125%
HK$129,824
baseline
▲ 0.50% · 4.625%
HK$136,667
+HK$6,843/mo
Deposit HK$16.18M · loan HK$24.28M · min. income ≈ HK$259,648/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,168
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$133,186
−HK$4,082/mo
Today · 4.125%
HK$137,268
baseline
▲ 0.50% · 4.625%
HK$145,620
+HK$8,352/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,536/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,698
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,552
−HK$3,910/mo
Today · 4.125%
HK$151,462
baseline
▲ 0.50% · 4.625%
HK$159,445
+HK$7,983/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,924/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,073
−HK$10,414/mo
▼ 0.25% · 3.875%
HK$171,239
−HK$5,248/mo
Today · 4.125%
HK$176,487
baseline
▲ 0.50% · 4.625%
HK$187,226
+HK$10,739/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$352,974/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,755
−HK$9,981/mo
▼ 0.25% · 3.875%
HK$189,710
−HK$5,026/mo
Today · 4.125%
HK$194,736
baseline
▲ 0.50% · 4.625%
HK$205,001
+HK$10,265/mo
Deposit HK$4.05M · loan HK$36.42M · min. income ≈ HK$389,472/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,719,619 · Scale 2, in force from 26 Feb 2026)