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$91,598
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,447
−HK$2,895/mo
Today · 4.125%
HK$97,342
baseline
▲ 0.50% · 4.625%
HK$103,265
+HK$5,923/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$194,684/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,902
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,635
−HK$2,772/mo
Today · 4.125%
HK$107,407
baseline
▲ 0.50% · 4.625%
HK$113,069
+HK$5,662/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$214,814/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,918
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,337
−HK$3,473/mo
Today · 4.125%
HK$116,810
baseline
▲ 0.50% · 4.625%
HK$123,918
+HK$7,108/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$233,620/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,282
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,562
−HK$3,327/mo
Today · 4.125%
HK$128,889
baseline
▲ 0.50% · 4.625%
HK$135,683
+HK$6,794/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$257,778/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,237
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$132,226
−HK$4,053/mo
Today · 4.125%
HK$136,279
baseline
▲ 0.50% · 4.625%
HK$144,571
+HK$8,292/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$272,558/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,663
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$146,489
−HK$3,881/mo
Today · 4.125%
HK$150,370
baseline
▲ 0.50% · 4.625%
HK$158,296
+HK$7,926/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$300,740/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,876
−HK$10,340/mo
▼ 0.25% · 3.875%
HK$170,005
−HK$5,211/mo
Today · 4.125%
HK$175,216
baseline
▲ 0.50% · 4.625%
HK$185,877
+HK$10,661/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$350,432/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,423
−HK$9,910/mo
▼ 0.25% · 3.875%
HK$188,343
−HK$4,990/mo
Today · 4.125%
HK$193,333
baseline
▲ 0.50% · 4.625%
HK$203,524
+HK$10,191/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$386,666/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,227 · Scale 2, in force from 26 Feb 2026)