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$92,156
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,022
−HK$2,913/mo
Today · 4.125%
HK$97,935
baseline
▲ 0.50% · 4.625%
HK$103,894
+HK$5,959/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$195,870/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,522
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,272
−HK$2,789/mo
Today · 4.125%
HK$108,061
baseline
▲ 0.50% · 4.625%
HK$113,757
+HK$5,696/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$216,122/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,587
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,027
−HK$3,495/mo
Today · 4.125%
HK$117,522
baseline
▲ 0.50% · 4.625%
HK$124,672
+HK$7,150/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$235,044/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,027
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,326
−HK$3,347/mo
Today · 4.125%
HK$129,673
baseline
▲ 0.50% · 4.625%
HK$136,509
+HK$6,836/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$259,346/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,018
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,031
−HK$4,078/mo
Today · 4.125%
HK$137,109
baseline
▲ 0.50% · 4.625%
HK$145,451
+HK$8,342/mo
Deposit HK$12.12M · loan HK$28.29M · min. income ≈ HK$274,218/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,531
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,381
−HK$3,905/mo
Today · 4.125%
HK$151,286
baseline
▲ 0.50% · 4.625%
HK$159,260
+HK$7,974/mo
Deposit HK$12.12M · loan HK$28.29M · min. income ≈ HK$302,572/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,880
−HK$10,402/mo
▼ 0.25% · 3.875%
HK$171,040
−HK$5,242/mo
Today · 4.125%
HK$176,282
baseline
▲ 0.50% · 4.625%
HK$187,009
+HK$10,727/mo
Deposit HK$4.04M · loan HK$36.37M · min. income ≈ HK$352,564/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,540
−HK$9,970/mo
▼ 0.25% · 3.875%
HK$189,489
−HK$5,021/mo
Today · 4.125%
HK$194,510
baseline
▲ 0.50% · 4.625%
HK$204,763
+HK$10,253/mo
Deposit HK$4.04M · loan HK$36.37M · min. income ≈ HK$389,020/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,621 · Scale 2, in force from 26 Feb 2026)