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$91,606
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,456
−HK$2,895/mo
Today · 4.125%
HK$97,351
baseline
▲ 0.50% · 4.625%
HK$103,274
+HK$5,923/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$194,702/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,911
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,644
−HK$2,773/mo
Today · 4.125%
HK$107,417
baseline
▲ 0.50% · 4.625%
HK$113,079
+HK$5,662/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$214,834/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,928
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,347
−HK$3,474/mo
Today · 4.125%
HK$116,821
baseline
▲ 0.50% · 4.625%
HK$123,929
+HK$7,108/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$233,642/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,293
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,573
−HK$3,328/mo
Today · 4.125%
HK$128,901
baseline
▲ 0.50% · 4.625%
HK$135,695
+HK$6,794/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$257,802/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,249
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$132,238
−HK$4,053/mo
Today · 4.125%
HK$136,291
baseline
▲ 0.50% · 4.625%
HK$144,584
+HK$8,293/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$272,582/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,676
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$146,502
−HK$3,882/mo
Today · 4.125%
HK$150,384
baseline
▲ 0.50% · 4.625%
HK$158,311
+HK$7,927/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$300,768/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,891
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$170,021
−HK$5,211/mo
Today · 4.125%
HK$175,232
baseline
▲ 0.50% · 4.625%
HK$185,894
+HK$10,662/mo
Deposit HK$4.02M · loan HK$36.16M · min. income ≈ HK$350,464/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,440
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$188,360
−HK$4,991/mo
Today · 4.125%
HK$193,351
baseline
▲ 0.50% · 4.625%
HK$203,543
+HK$10,192/mo
Deposit HK$4.02M · loan HK$36.16M · min. income ≈ HK$386,702/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,383 · Scale 2, in force from 26 Feb 2026)