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$91,737
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,591
−HK$2,899/mo
Today · 4.125%
HK$97,490
baseline
▲ 0.50% · 4.625%
HK$103,422
+HK$5,932/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$194,980/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,057
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,794
−HK$2,776/mo
Today · 4.125%
HK$107,570
baseline
▲ 0.50% · 4.625%
HK$113,240
+HK$5,670/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$215,140/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,084
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,509
−HK$3,479/mo
Today · 4.125%
HK$116,988
baseline
▲ 0.50% · 4.625%
HK$124,106
+HK$7,118/mo
Deposit HK$16.09M · loan HK$24.14M · min. income ≈ HK$233,976/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,468
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,752
−HK$3,332/mo
Today · 4.125%
HK$129,084
baseline
▲ 0.50% · 4.625%
HK$135,889
+HK$6,805/mo
Deposit HK$16.09M · loan HK$24.14M · min. income ≈ HK$258,168/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,432
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,427
−HK$4,059/mo
Today · 4.125%
HK$136,486
baseline
▲ 0.50% · 4.625%
HK$144,790
+HK$8,304/mo
Deposit HK$12.07M · loan HK$28.16M · min. income ≈ HK$272,972/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,879
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,711
−HK$3,887/mo
Today · 4.125%
HK$150,598
baseline
▲ 0.50% · 4.625%
HK$158,537
+HK$7,939/mo
Deposit HK$12.07M · loan HK$28.16M · min. income ≈ HK$301,196/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,127
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$170,263
−HK$5,219/mo
Today · 4.125%
HK$175,482
baseline
▲ 0.50% · 4.625%
HK$186,159
+HK$10,677/mo
Deposit HK$4.02M · loan HK$36.21M · min. income ≈ HK$350,964/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,702
−HK$9,925/mo
▼ 0.25% · 3.875%
HK$188,629
−HK$4,998/mo
Today · 4.125%
HK$193,627
baseline
▲ 0.50% · 4.625%
HK$203,833
+HK$10,206/mo
Deposit HK$4.02M · loan HK$36.21M · min. income ≈ HK$387,254/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,818 · Scale 2, in force from 26 Feb 2026)