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$91,758
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,612
−HK$2,900/mo
Today · 4.125%
HK$97,512
baseline
▲ 0.50% · 4.625%
HK$103,445
+HK$5,933/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$195,024/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,080
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,817
−HK$2,778/mo
Today · 4.125%
HK$107,595
baseline
▲ 0.50% · 4.625%
HK$113,266
+HK$5,671/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$215,190/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,109
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,534
−HK$3,480/mo
Today · 4.125%
HK$117,014
baseline
▲ 0.50% · 4.625%
HK$124,134
+HK$7,120/mo
Deposit HK$16.10M · loan HK$24.14M · min. income ≈ HK$234,028/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,496
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,781
−HK$3,333/mo
Today · 4.125%
HK$129,114
baseline
▲ 0.50% · 4.625%
HK$135,919
+HK$6,805/mo
Deposit HK$16.10M · loan HK$24.14M · min. income ≈ HK$258,228/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,461
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$132,457
−HK$4,060/mo
Today · 4.125%
HK$136,517
baseline
▲ 0.50% · 4.625%
HK$144,823
+HK$8,306/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$273,034/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,912
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$146,744
−HK$3,889/mo
Today · 4.125%
HK$150,633
baseline
▲ 0.50% · 4.625%
HK$158,573
+HK$7,940/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$301,266/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,164
−HK$10,357/mo
▼ 0.25% · 3.875%
HK$170,302
−HK$5,219/mo
Today · 4.125%
HK$175,521
baseline
▲ 0.50% · 4.625%
HK$186,201
+HK$10,680/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$351,042/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,743
−HK$9,927/mo
▼ 0.25% · 3.875%
HK$188,671
−HK$4,999/mo
Today · 4.125%
HK$193,670
baseline
▲ 0.50% · 4.625%
HK$203,879
+HK$10,209/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$387,340/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,710,206 · Scale 2, in force from 26 Feb 2026)