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$91,926
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,785
−HK$2,905/mo
Today · 4.125%
HK$97,690
baseline
▲ 0.50% · 4.625%
HK$103,634
+HK$5,944/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$195,380/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,266
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,009
−HK$2,782/mo
Today · 4.125%
HK$107,791
baseline
▲ 0.50% · 4.625%
HK$113,473
+HK$5,682/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$215,582/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,311
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,742
−HK$3,486/mo
Today · 4.125%
HK$117,228
baseline
▲ 0.50% · 4.625%
HK$124,361
+HK$7,133/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$234,456/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,719
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,011
−HK$3,339/mo
Today · 4.125%
HK$129,350
baseline
▲ 0.50% · 4.625%
HK$136,168
+HK$6,818/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$258,700/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,696
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,699
−HK$4,067/mo
Today · 4.125%
HK$136,766
baseline
▲ 0.50% · 4.625%
HK$145,088
+HK$8,322/mo
Deposit HK$12.09M · loan HK$28.22M · min. income ≈ HK$273,532/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,173
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$147,013
−HK$3,895/mo
Today · 4.125%
HK$150,908
baseline
▲ 0.50% · 4.625%
HK$158,862
+HK$7,954/mo
Deposit HK$12.09M · loan HK$28.22M · min. income ≈ HK$301,816/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,466
−HK$10,376/mo
▼ 0.25% · 3.875%
HK$170,613
−HK$5,229/mo
Today · 4.125%
HK$175,842
baseline
▲ 0.50% · 4.625%
HK$186,542
+HK$10,700/mo
Deposit HK$4.03M · loan HK$36.28M · min. income ≈ HK$351,684/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,079
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$189,016
−HK$5,008/mo
Today · 4.125%
HK$194,024
baseline
▲ 0.50% · 4.625%
HK$204,252
+HK$10,228/mo
Deposit HK$4.03M · loan HK$36.28M · min. income ≈ HK$388,048/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,713,332 · Scale 2, in force from 26 Feb 2026)