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$91,694
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,546
−HK$2,898/mo
Today · 4.125%
HK$97,444
baseline
▲ 0.50% · 4.625%
HK$103,373
+HK$5,929/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$194,888/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,009
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,744
−HK$2,776/mo
Today · 4.125%
HK$107,520
baseline
▲ 0.50% · 4.625%
HK$113,187
+HK$5,667/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$215,040/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,033
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,455
−HK$3,478/mo
Today · 4.125%
HK$116,933
baseline
▲ 0.50% · 4.625%
HK$124,048
+HK$7,115/mo
Deposit HK$16.08M · loan HK$24.13M · min. income ≈ HK$233,866/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,410
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,693
−HK$3,331/mo
Today · 4.125%
HK$129,024
baseline
▲ 0.50% · 4.625%
HK$135,825
+HK$6,801/mo
Deposit HK$16.08M · loan HK$24.13M · min. income ≈ HK$258,048/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,372
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,365
−HK$4,057/mo
Today · 4.125%
HK$136,422
baseline
▲ 0.50% · 4.625%
HK$144,722
+HK$8,300/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$272,844/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,812
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,642
−HK$3,886/mo
Today · 4.125%
HK$150,528
baseline
▲ 0.50% · 4.625%
HK$158,462
+HK$7,934/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$301,056/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,049
−HK$10,350/mo
▼ 0.25% · 3.875%
HK$170,183
−HK$5,216/mo
Today · 4.125%
HK$175,399
baseline
▲ 0.50% · 4.625%
HK$186,072
+HK$10,673/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$350,798/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,615
−HK$9,921/mo
▼ 0.25% · 3.875%
HK$188,540
−HK$4,996/mo
Today · 4.125%
HK$193,536
baseline
▲ 0.50% · 4.625%
HK$203,737
+HK$10,201/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$387,072/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,016 · Scale 2, in force from 26 Feb 2026)