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$91,481
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,327
−HK$2,891/mo
Today · 4.125%
HK$97,218
baseline
▲ 0.50% · 4.625%
HK$103,134
+HK$5,916/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$194,436/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,772
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,502
−HK$2,769/mo
Today · 4.125%
HK$107,271
baseline
▲ 0.50% · 4.625%
HK$112,925
+HK$5,654/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$214,542/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,778
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,192
−HK$3,470/mo
Today · 4.125%
HK$116,662
baseline
▲ 0.50% · 4.625%
HK$123,760
+HK$7,098/mo
Deposit HK$16.05M · loan HK$24.07M · min. income ≈ HK$233,324/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,127
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,402
−HK$3,323/mo
Today · 4.125%
HK$128,725
baseline
▲ 0.50% · 4.625%
HK$135,510
+HK$6,785/mo
Deposit HK$16.05M · loan HK$24.07M · min. income ≈ HK$257,450/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,074
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,058
−HK$4,047/mo
Today · 4.125%
HK$136,105
baseline
▲ 0.50% · 4.625%
HK$144,387
+HK$8,282/mo
Deposit HK$12.04M · loan HK$28.08M · min. income ≈ HK$272,210/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,481
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,302
−HK$3,877/mo
Today · 4.125%
HK$150,179
baseline
▲ 0.50% · 4.625%
HK$158,095
+HK$7,916/mo
Deposit HK$12.04M · loan HK$28.08M · min. income ≈ HK$300,358/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,667
−HK$10,326/mo
▼ 0.25% · 3.875%
HK$169,789
−HK$5,204/mo
Today · 4.125%
HK$174,993
baseline
▲ 0.50% · 4.625%
HK$185,640
+HK$10,647/mo
Deposit HK$4.01M · loan HK$36.11M · min. income ≈ HK$349,986/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,190
−HK$9,897/mo
▼ 0.25% · 3.875%
HK$188,103
−HK$4,984/mo
Today · 4.125%
HK$193,087
baseline
▲ 0.50% · 4.625%
HK$203,265
+HK$10,178/mo
Deposit HK$4.01M · loan HK$36.11M · min. income ≈ HK$386,174/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,054 · Scale 2, in force from 26 Feb 2026)