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$91,818
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,674
−HK$2,901/mo
Today · 4.125%
HK$97,575
baseline
▲ 0.50% · 4.625%
HK$103,513
+HK$5,938/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$195,150/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,146
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,886
−HK$2,779/mo
Today · 4.125%
HK$107,665
baseline
▲ 0.50% · 4.625%
HK$113,340
+HK$5,675/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$215,330/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,181
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,608
−HK$3,482/mo
Today · 4.125%
HK$117,090
baseline
▲ 0.50% · 4.625%
HK$124,215
+HK$7,125/mo
Deposit HK$16.11M · loan HK$24.16M · min. income ≈ HK$234,180/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,575
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,863
−HK$3,335/mo
Today · 4.125%
HK$129,198
baseline
▲ 0.50% · 4.625%
HK$136,008
+HK$6,810/mo
Deposit HK$16.11M · loan HK$24.16M · min. income ≈ HK$258,396/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,545
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$132,543
−HK$4,063/mo
Today · 4.125%
HK$136,606
baseline
▲ 0.50% · 4.625%
HK$144,918
+HK$8,312/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$273,212/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,005
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,840
−HK$3,891/mo
Today · 4.125%
HK$150,731
baseline
▲ 0.50% · 4.625%
HK$158,676
+HK$7,945/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$301,462/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,272
−HK$10,364/mo
▼ 0.25% · 3.875%
HK$170,413
−HK$5,223/mo
Today · 4.125%
HK$175,636
baseline
▲ 0.50% · 4.625%
HK$186,323
+HK$10,687/mo
Deposit HK$4.03M · loan HK$36.24M · min. income ≈ HK$351,272/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,863
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$188,794
−HK$5,003/mo
Today · 4.125%
HK$193,797
baseline
▲ 0.50% · 4.625%
HK$204,012
+HK$10,215/mo
Deposit HK$4.03M · loan HK$36.24M · min. income ≈ HK$387,594/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,321 · Scale 2, in force from 26 Feb 2026)