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$92,247
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$95,116
−HK$2,915/mo
Today · 4.125%
HK$98,031
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,965/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$196,062/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,623
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$105,376
−HK$2,792/mo
Today · 4.125%
HK$108,168
baseline
▲ 0.50% · 4.625%
HK$113,869
+HK$5,701/mo
Deposit HK$20.23M · loan HK$20.23M · min. income ≈ HK$216,336/mo (50% DSR)
Upfront cash ≈ HK$21.95M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,696
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,139
−HK$3,498/mo
Today · 4.125%
HK$117,637
baseline
▲ 0.50% · 4.625%
HK$124,795
+HK$7,158/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,274/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,148
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,451
−HK$3,350/mo
Today · 4.125%
HK$129,801
baseline
▲ 0.50% · 4.625%
HK$136,643
+HK$6,842/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,602/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,145
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,162
−HK$4,082/mo
Today · 4.125%
HK$137,244
baseline
▲ 0.50% · 4.625%
HK$145,595
+HK$8,351/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$274,488/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,673
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,526
−HK$3,909/mo
Today · 4.125%
HK$151,435
baseline
▲ 0.50% · 4.625%
HK$159,417
+HK$7,982/mo
Deposit HK$12.14M · loan HK$28.32M · min. income ≈ HK$302,870/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,044
−HK$10,412/mo
▼ 0.25% · 3.875%
HK$171,209
−HK$5,247/mo
Today · 4.125%
HK$176,456
baseline
▲ 0.50% · 4.625%
HK$187,193
+HK$10,737/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$352,912/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,722
−HK$9,980/mo
▼ 0.25% · 3.875%
HK$189,676
−HK$5,026/mo
Today · 4.125%
HK$194,702
baseline
▲ 0.50% · 4.625%
HK$204,965
+HK$10,263/mo
Deposit HK$4.05M · loan HK$36.41M · min. income ≈ HK$389,404/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,719,315 · Scale 2, in force from 26 Feb 2026)