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$91,743
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$94,596
−HK$2,900/mo
Today · 4.125%
HK$97,496
baseline
▲ 0.50% · 4.625%
HK$103,428
+HK$5,932/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$194,992/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,063
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,800
−HK$2,777/mo
Today · 4.125%
HK$107,577
baseline
▲ 0.50% · 4.625%
HK$113,248
+HK$5,671/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$215,154/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,091
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,516
−HK$3,479/mo
Today · 4.125%
HK$116,995
baseline
▲ 0.50% · 4.625%
HK$124,114
+HK$7,119/mo
Deposit HK$16.09M · loan HK$24.14M · min. income ≈ HK$233,990/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,475
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,760
−HK$3,332/mo
Today · 4.125%
HK$129,092
baseline
▲ 0.50% · 4.625%
HK$135,897
+HK$6,805/mo
Deposit HK$16.09M · loan HK$24.14M · min. income ≈ HK$258,184/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,440
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,435
−HK$4,059/mo
Today · 4.125%
HK$136,494
baseline
▲ 0.50% · 4.625%
HK$144,799
+HK$8,305/mo
Deposit HK$12.07M · loan HK$28.16M · min. income ≈ HK$272,988/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,888
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$146,720
−HK$3,888/mo
Today · 4.125%
HK$150,608
baseline
▲ 0.50% · 4.625%
HK$158,547
+HK$7,939/mo
Deposit HK$12.07M · loan HK$28.16M · min. income ≈ HK$301,216/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,137
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$170,274
−HK$5,218/mo
Today · 4.125%
HK$175,492
baseline
▲ 0.50% · 4.625%
HK$186,171
+HK$10,679/mo
Deposit HK$4.02M · loan HK$36.21M · min. income ≈ HK$350,984/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,713
−HK$9,926/mo
▼ 0.25% · 3.875%
HK$188,640
−HK$4,999/mo
Today · 4.125%
HK$193,639
baseline
▲ 0.50% · 4.625%
HK$203,846
+HK$10,207/mo
Deposit HK$4.02M · loan HK$36.21M · min. income ≈ HK$387,278/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,925 · Scale 2, in force from 26 Feb 2026)