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$91,866
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,724
−HK$2,903/mo
Today · 4.125%
HK$97,627
baseline
▲ 0.50% · 4.625%
HK$103,568
+HK$5,941/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,254/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,200
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,941
−HK$2,781/mo
Today · 4.125%
HK$107,722
baseline
▲ 0.50% · 4.625%
HK$113,400
+HK$5,678/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,444/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,240
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$113,669
−HK$3,484/mo
Today · 4.125%
HK$117,153
baseline
▲ 0.50% · 4.625%
HK$124,281
+HK$7,128/mo
Deposit HK$16.12M · loan HK$24.17M · min. income ≈ HK$234,306/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,640
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,930
−HK$3,336/mo
Today · 4.125%
HK$129,266
baseline
▲ 0.50% · 4.625%
HK$136,080
+HK$6,814/mo
Deposit HK$16.12M · loan HK$24.17M · min. income ≈ HK$258,532/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,613
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,613
−HK$4,065/mo
Today · 4.125%
HK$136,678
baseline
▲ 0.50% · 4.625%
HK$144,995
+HK$8,317/mo
Deposit HK$12.09M · loan HK$28.20M · min. income ≈ HK$273,356/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,081
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$146,918
−HK$3,893/mo
Today · 4.125%
HK$150,811
baseline
▲ 0.50% · 4.625%
HK$158,760
+HK$7,949/mo
Deposit HK$12.09M · loan HK$28.20M · min. income ≈ HK$301,622/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,359
−HK$10,370/mo
▼ 0.25% · 3.875%
HK$170,503
−HK$5,226/mo
Today · 4.125%
HK$175,729
baseline
▲ 0.50% · 4.625%
HK$186,422
+HK$10,693/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$351,458/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,961
−HK$9,939/mo
▼ 0.25% · 3.875%
HK$188,894
−HK$5,006/mo
Today · 4.125%
HK$193,900
baseline
▲ 0.50% · 4.625%
HK$204,120
+HK$10,220/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$387,800/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,229 · Scale 2, in force from 26 Feb 2026)