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$91,764
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$94,618
−HK$2,900/mo
Today · 4.125%
HK$97,518
baseline
▲ 0.50% · 4.625%
HK$103,452
+HK$5,934/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$195,036/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,086
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,824
−HK$2,778/mo
Today · 4.125%
HK$107,602
baseline
▲ 0.50% · 4.625%
HK$113,274
+HK$5,672/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$215,204/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,117
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,542
−HK$3,480/mo
Today · 4.125%
HK$117,022
baseline
▲ 0.50% · 4.625%
HK$124,143
+HK$7,121/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$234,044/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,504
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$125,789
−HK$3,333/mo
Today · 4.125%
HK$129,122
baseline
▲ 0.50% · 4.625%
HK$135,928
+HK$6,806/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$258,244/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,469
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,466
−HK$4,060/mo
Today · 4.125%
HK$136,526
baseline
▲ 0.50% · 4.625%
HK$144,833
+HK$8,307/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$273,052/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,921
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,754
−HK$3,889/mo
Today · 4.125%
HK$150,643
baseline
▲ 0.50% · 4.625%
HK$158,583
+HK$7,940/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$301,286/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,175
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$170,313
−HK$5,220/mo
Today · 4.125%
HK$175,533
baseline
▲ 0.50% · 4.625%
HK$186,214
+HK$10,681/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$351,066/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,756
−HK$9,927/mo
▼ 0.25% · 3.875%
HK$188,684
−HK$4,999/mo
Today · 4.125%
HK$193,683
baseline
▲ 0.50% · 4.625%
HK$203,893
+HK$10,210/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$387,366/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,710,320 · Scale 2, in force from 26 Feb 2026)