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$92,018
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,881
−HK$2,908/mo
Today · 4.125%
HK$97,789
baseline
▲ 0.50% · 4.625%
HK$103,739
+HK$5,950/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,578/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,369
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,115
−HK$2,785/mo
Today · 4.125%
HK$107,900
baseline
▲ 0.50% · 4.625%
HK$113,588
+HK$5,688/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,800/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,422
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,857
−HK$3,489/mo
Today · 4.125%
HK$117,346
baseline
▲ 0.50% · 4.625%
HK$124,487
+HK$7,141/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$234,692/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,843
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,138
−HK$3,342/mo
Today · 4.125%
HK$129,480
baseline
▲ 0.50% · 4.625%
HK$136,305
+HK$6,825/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$258,960/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,826
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,833
−HK$4,071/mo
Today · 4.125%
HK$136,904
baseline
▲ 0.50% · 4.625%
HK$145,234
+HK$8,330/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$273,808/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,317
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,161
−HK$3,899/mo
Today · 4.125%
HK$151,060
baseline
▲ 0.50% · 4.625%
HK$159,023
+HK$7,963/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$302,120/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,633
−HK$10,387/mo
▼ 0.25% · 3.875%
HK$170,785
−HK$5,235/mo
Today · 4.125%
HK$176,020
baseline
▲ 0.50% · 4.625%
HK$186,730
+HK$10,710/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$352,040/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,265
−HK$9,955/mo
▼ 0.25% · 3.875%
HK$189,207
−HK$5,013/mo
Today · 4.125%
HK$194,220
baseline
▲ 0.50% · 4.625%
HK$204,458
+HK$10,238/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$388,440/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,061 · Scale 2, in force from 26 Feb 2026)