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$91,473
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,319
−HK$2,891/mo
Today · 4.125%
HK$97,210
baseline
▲ 0.50% · 4.625%
HK$103,125
+HK$5,915/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$194,420/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,763
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,492
−HK$2,769/mo
Today · 4.125%
HK$107,261
baseline
▲ 0.50% · 4.625%
HK$112,915
+HK$5,654/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$214,522/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,768
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,182
−HK$3,469/mo
Today · 4.125%
HK$116,651
baseline
▲ 0.50% · 4.625%
HK$123,749
+HK$7,098/mo
Deposit HK$16.05M · loan HK$24.07M · min. income ≈ HK$233,302/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,116
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,391
−HK$3,322/mo
Today · 4.125%
HK$128,713
baseline
▲ 0.50% · 4.625%
HK$135,498
+HK$6,785/mo
Deposit HK$16.05M · loan HK$24.07M · min. income ≈ HK$257,426/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,063
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,046
−HK$4,047/mo
Today · 4.125%
HK$136,093
baseline
▲ 0.50% · 4.625%
HK$144,374
+HK$8,281/mo
Deposit HK$12.03M · loan HK$28.08M · min. income ≈ HK$272,186/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,469
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,289
−HK$3,877/mo
Today · 4.125%
HK$150,166
baseline
▲ 0.50% · 4.625%
HK$158,081
+HK$7,915/mo
Deposit HK$12.03M · loan HK$28.08M · min. income ≈ HK$300,332/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,652
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$169,774
−HK$5,203/mo
Today · 4.125%
HK$174,977
baseline
▲ 0.50% · 4.625%
HK$185,624
+HK$10,647/mo
Deposit HK$4.01M · loan HK$36.10M · min. income ≈ HK$349,954/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,174
−HK$9,896/mo
▼ 0.25% · 3.875%
HK$188,086
−HK$4,984/mo
Today · 4.125%
HK$193,070
baseline
▲ 0.50% · 4.625%
HK$203,247
+HK$10,177/mo
Deposit HK$4.01M · loan HK$36.10M · min. income ≈ HK$386,140/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,704,905 · Scale 2, in force from 26 Feb 2026)