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$92,662
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,545
−HK$2,928/mo
Today · 4.125%
HK$98,473
baseline
▲ 0.50% · 4.625%
HK$104,465
+HK$5,992/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$196,946/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,086
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,851
−HK$2,805/mo
Today · 4.125%
HK$108,656
baseline
▲ 0.50% · 4.625%
HK$114,383
+HK$5,727/mo
Deposit HK$20.32M · loan HK$20.32M · min. income ≈ HK$217,312/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,195
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,654
−HK$3,514/mo
Today · 4.125%
HK$118,168
baseline
▲ 0.50% · 4.625%
HK$125,358
+HK$7,190/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$236,336/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,703
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,021
−HK$3,366/mo
Today · 4.125%
HK$130,387
baseline
▲ 0.50% · 4.625%
HK$137,259
+HK$6,872/mo
Deposit HK$16.25M · loan HK$24.38M · min. income ≈ HK$260,774/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,727
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,763
−HK$4,100/mo
Today · 4.125%
HK$137,863
baseline
▲ 0.50% · 4.625%
HK$146,251
+HK$8,388/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$275,726/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,321
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,191
−HK$3,927/mo
Today · 4.125%
HK$152,118
baseline
▲ 0.50% · 4.625%
HK$160,136
+HK$8,018/mo
Deposit HK$12.19M · loan HK$28.45M · min. income ≈ HK$304,236/mo (50% DSR)
Upfront cash ≈ HK$13.92M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,792
−HK$10,460/mo
▼ 0.25% · 3.875%
HK$171,981
−HK$5,271/mo
Today · 4.125%
HK$177,252
baseline
▲ 0.50% · 4.625%
HK$188,037
+HK$10,785/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$354,504/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,555
−HK$10,025/mo
▼ 0.25% · 3.875%
HK$190,531
−HK$5,049/mo
Today · 4.125%
HK$195,580
baseline
▲ 0.50% · 4.625%
HK$205,889
+HK$10,309/mo
Deposit HK$4.06M · loan HK$36.57M · min. income ≈ HK$391,160/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,727,067 · Scale 2, in force from 26 Feb 2026)