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$92,582
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$95,462
−HK$2,926/mo
Today · 4.125%
HK$98,388
baseline
▲ 0.50% · 4.625%
HK$104,374
+HK$5,986/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,776/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,997
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$105,759
−HK$2,802/mo
Today · 4.125%
HK$108,561
baseline
▲ 0.50% · 4.625%
HK$114,283
+HK$5,722/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,122/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,098
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,554
−HK$3,511/mo
Today · 4.125%
HK$118,065
baseline
▲ 0.50% · 4.625%
HK$125,249
+HK$7,184/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,130/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,596
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,911
−HK$3,362/mo
Today · 4.125%
HK$130,273
baseline
▲ 0.50% · 4.625%
HK$137,140
+HK$6,867/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,546/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,615
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,647
−HK$4,096/mo
Today · 4.125%
HK$137,743
baseline
▲ 0.50% · 4.625%
HK$146,124
+HK$8,381/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$275,486/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,195
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,062
−HK$3,924/mo
Today · 4.125%
HK$151,986
baseline
▲ 0.50% · 4.625%
HK$159,997
+HK$8,011/mo
Deposit HK$12.18M · loan HK$28.42M · min. income ≈ HK$303,972/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,648
−HK$10,450/mo
▼ 0.25% · 3.875%
HK$171,831
−HK$5,267/mo
Today · 4.125%
HK$177,098
baseline
▲ 0.50% · 4.625%
HK$187,874
+HK$10,776/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$354,196/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,394
−HK$10,016/mo
▼ 0.25% · 3.875%
HK$190,366
−HK$5,044/mo
Today · 4.125%
HK$195,410
baseline
▲ 0.50% · 4.625%
HK$205,710
+HK$10,300/mo
Deposit HK$4.06M · loan HK$36.54M · min. income ≈ HK$390,820/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,567 · Scale 2, in force from 26 Feb 2026)