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$92,597
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$95,477
−HK$2,927/mo
Today · 4.125%
HK$98,404
baseline
▲ 0.50% · 4.625%
HK$104,391
+HK$5,987/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$196,808/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,013
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,776
−HK$2,803/mo
Today · 4.125%
HK$108,579
baseline
▲ 0.50% · 4.625%
HK$114,302
+HK$5,723/mo
Deposit HK$20.30M · loan HK$20.30M · min. income ≈ HK$217,158/mo (50% DSR)
Upfront cash ≈ HK$22.03M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,116
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,573
−HK$3,511/mo
Today · 4.125%
HK$118,084
baseline
▲ 0.50% · 4.625%
HK$125,269
+HK$7,185/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$236,168/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,616
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,931
−HK$3,363/mo
Today · 4.125%
HK$130,294
baseline
▲ 0.50% · 4.625%
HK$137,162
+HK$6,868/mo
Deposit HK$16.24M · loan HK$24.36M · min. income ≈ HK$260,588/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,636
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,668
−HK$4,097/mo
Today · 4.125%
HK$137,765
baseline
▲ 0.50% · 4.625%
HK$146,148
+HK$8,383/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$275,530/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,218
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,086
−HK$3,924/mo
Today · 4.125%
HK$152,010
baseline
▲ 0.50% · 4.625%
HK$160,023
+HK$8,013/mo
Deposit HK$12.18M · loan HK$28.43M · min. income ≈ HK$304,020/mo (50% DSR)
Upfront cash ≈ HK$13.91M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,674
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$171,859
−HK$5,267/mo
Today · 4.125%
HK$177,126
baseline
▲ 0.50% · 4.625%
HK$187,904
+HK$10,778/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$354,252/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,424
−HK$10,018/mo
▼ 0.25% · 3.875%
HK$190,397
−HK$5,045/mo
Today · 4.125%
HK$195,442
baseline
▲ 0.50% · 4.625%
HK$205,744
+HK$10,302/mo
Deposit HK$4.06M · loan HK$36.55M · min. income ≈ HK$390,884/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,725,846 · Scale 2, in force from 26 Feb 2026)