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$92,141
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,007
−HK$2,912/mo
Today · 4.125%
HK$97,919
baseline
▲ 0.50% · 4.625%
HK$103,877
+HK$5,958/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$195,838/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,506
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,255
−HK$2,789/mo
Today · 4.125%
HK$108,044
baseline
▲ 0.50% · 4.625%
HK$113,739
+HK$5,695/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$216,088/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,569
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,008
−HK$3,495/mo
Today · 4.125%
HK$117,503
baseline
▲ 0.50% · 4.625%
HK$124,652
+HK$7,149/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$235,006/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,007
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,306
−HK$3,347/mo
Today · 4.125%
HK$129,653
baseline
▲ 0.50% · 4.625%
HK$136,487
+HK$6,834/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$259,306/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,997
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$133,010
−HK$4,076/mo
Today · 4.125%
HK$137,086
baseline
▲ 0.50% · 4.625%
HK$145,428
+HK$8,342/mo
Deposit HK$12.12M · loan HK$28.29M · min. income ≈ HK$274,172/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,508
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$147,357
−HK$3,904/mo
Today · 4.125%
HK$151,261
baseline
▲ 0.50% · 4.625%
HK$159,235
+HK$7,974/mo
Deposit HK$12.12M · loan HK$28.29M · min. income ≈ HK$302,522/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,854
−HK$10,400/mo
▼ 0.25% · 3.875%
HK$171,013
−HK$5,241/mo
Today · 4.125%
HK$176,254
baseline
▲ 0.50% · 4.625%
HK$186,979
+HK$10,725/mo
Deposit HK$4.04M · loan HK$36.37M · min. income ≈ HK$352,508/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,510
−HK$9,969/mo
▼ 0.25% · 3.875%
HK$189,459
−HK$5,020/mo
Today · 4.125%
HK$194,479
baseline
▲ 0.50% · 4.625%
HK$204,730
+HK$10,251/mo
Deposit HK$4.04M · loan HK$36.37M · min. income ≈ HK$388,958/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,346 · Scale 2, in force from 26 Feb 2026)