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$91,808
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$94,664
−HK$2,902/mo
Today · 4.125%
HK$97,566
baseline
▲ 0.50% · 4.625%
HK$103,502
+HK$5,936/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$195,132/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,136
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,875
−HK$2,779/mo
Today · 4.125%
HK$107,654
baseline
▲ 0.50% · 4.625%
HK$113,329
+HK$5,675/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$215,308/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,170
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,597
−HK$3,482/mo
Today · 4.125%
HK$117,079
baseline
▲ 0.50% · 4.625%
HK$124,203
+HK$7,124/mo
Deposit HK$16.10M · loan HK$24.16M · min. income ≈ HK$234,158/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,563
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,850
−HK$3,335/mo
Today · 4.125%
HK$129,185
baseline
▲ 0.50% · 4.625%
HK$135,994
+HK$6,809/mo
Deposit HK$16.10M · loan HK$24.16M · min. income ≈ HK$258,370/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,532
−HK$8,060/mo
▼ 0.25% · 3.875%
HK$132,530
−HK$4,062/mo
Today · 4.125%
HK$136,592
baseline
▲ 0.50% · 4.625%
HK$144,903
+HK$8,311/mo
Deposit HK$12.08M · loan HK$28.18M · min. income ≈ HK$273,184/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,990
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$146,825
−HK$3,890/mo
Today · 4.125%
HK$150,715
baseline
▲ 0.50% · 4.625%
HK$158,660
+HK$7,945/mo
Deposit HK$12.08M · loan HK$28.18M · min. income ≈ HK$301,430/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,255
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$170,395
−HK$5,223/mo
Today · 4.125%
HK$175,618
baseline
▲ 0.50% · 4.625%
HK$186,304
+HK$10,686/mo
Deposit HK$4.03M · loan HK$36.24M · min. income ≈ HK$351,236/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,845
−HK$9,932/mo
▼ 0.25% · 3.875%
HK$188,775
−HK$5,002/mo
Today · 4.125%
HK$193,777
baseline
▲ 0.50% · 4.625%
HK$203,991
+HK$10,214/mo
Deposit HK$4.03M · loan HK$36.24M · min. income ≈ HK$387,554/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,147 · Scale 2, in force from 26 Feb 2026)