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$92,114
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,980
−HK$2,911/mo
Today · 4.125%
HK$97,891
baseline
▲ 0.50% · 4.625%
HK$103,847
+HK$5,956/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$195,782/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,476
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,225
−HK$2,788/mo
Today · 4.125%
HK$108,013
baseline
▲ 0.50% · 4.625%
HK$113,706
+HK$5,693/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$216,026/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,537
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,976
−HK$3,493/mo
Today · 4.125%
HK$117,469
baseline
▲ 0.50% · 4.625%
HK$124,617
+HK$7,148/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$234,938/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,972
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,270
−HK$3,345/mo
Today · 4.125%
HK$129,615
baseline
▲ 0.50% · 4.625%
HK$136,448
+HK$6,833/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$259,230/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,960
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$132,972
−HK$4,075/mo
Today · 4.125%
HK$137,047
baseline
▲ 0.50% · 4.625%
HK$145,386
+HK$8,339/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$274,094/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,467
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$147,315
−HK$3,903/mo
Today · 4.125%
HK$151,218
baseline
▲ 0.50% · 4.625%
HK$159,189
+HK$7,971/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$302,436/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,806
−HK$10,397/mo
▼ 0.25% · 3.875%
HK$170,964
−HK$5,239/mo
Today · 4.125%
HK$176,203
baseline
▲ 0.50% · 4.625%
HK$186,925
+HK$10,722/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$352,406/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,458
−HK$9,965/mo
▼ 0.25% · 3.875%
HK$189,405
−HK$5,018/mo
Today · 4.125%
HK$194,423
baseline
▲ 0.50% · 4.625%
HK$204,671
+HK$10,248/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$388,846/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,853 · Scale 2, in force from 26 Feb 2026)