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$91,593
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,442
−HK$2,895/mo
Today · 4.125%
HK$97,337
baseline
▲ 0.50% · 4.625%
HK$103,259
+HK$5,922/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$194,674/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,896
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,629
−HK$2,772/mo
Today · 4.125%
HK$107,401
baseline
▲ 0.50% · 4.625%
HK$113,063
+HK$5,662/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$214,802/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,912
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,330
−HK$3,474/mo
Today · 4.125%
HK$116,804
baseline
▲ 0.50% · 4.625%
HK$123,911
+HK$7,107/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$233,608/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,275
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,555
−HK$3,327/mo
Today · 4.125%
HK$128,882
baseline
▲ 0.50% · 4.625%
HK$135,675
+HK$6,793/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$257,764/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,230
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$132,219
−HK$4,052/mo
Today · 4.125%
HK$136,271
baseline
▲ 0.50% · 4.625%
HK$144,563
+HK$8,292/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$272,542/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,655
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$146,481
−HK$3,881/mo
Today · 4.125%
HK$150,362
baseline
▲ 0.50% · 4.625%
HK$158,288
+HK$7,926/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$300,724/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,867
−HK$10,339/mo
▼ 0.25% · 3.875%
HK$169,996
−HK$5,210/mo
Today · 4.125%
HK$175,206
baseline
▲ 0.50% · 4.625%
HK$185,867
+HK$10,661/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$350,412/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,413
−HK$9,909/mo
▼ 0.25% · 3.875%
HK$188,332
−HK$4,990/mo
Today · 4.125%
HK$193,322
baseline
▲ 0.50% · 4.625%
HK$203,513
+HK$10,191/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$386,644/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,133 · Scale 2, in force from 26 Feb 2026)