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$92,036
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,899
−HK$2,909/mo
Today · 4.125%
HK$97,808
baseline
▲ 0.50% · 4.625%
HK$103,759
+HK$5,951/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,616/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,390
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,136
−HK$2,785/mo
Today · 4.125%
HK$107,921
baseline
▲ 0.50% · 4.625%
HK$113,610
+HK$5,689/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,842/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,444
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,879
−HK$3,491/mo
Today · 4.125%
HK$117,370
baseline
▲ 0.50% · 4.625%
HK$124,511
+HK$7,141/mo
Deposit HK$16.14M · loan HK$24.22M · min. income ≈ HK$234,740/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,868
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,163
−HK$3,343/mo
Today · 4.125%
HK$129,506
baseline
▲ 0.50% · 4.625%
HK$136,332
+HK$6,826/mo
Deposit HK$16.14M · loan HK$24.22M · min. income ≈ HK$259,012/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,851
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$132,859
−HK$4,072/mo
Today · 4.125%
HK$136,931
baseline
▲ 0.50% · 4.625%
HK$145,263
+HK$8,332/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$273,862/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,345
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,190
−HK$3,900/mo
Today · 4.125%
HK$151,090
baseline
▲ 0.50% · 4.625%
HK$159,054
+HK$7,964/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$302,180/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,666
−HK$10,388/mo
▼ 0.25% · 3.875%
HK$170,819
−HK$5,235/mo
Today · 4.125%
HK$176,054
baseline
▲ 0.50% · 4.625%
HK$186,767
+HK$10,713/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$352,108/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,301
−HK$9,958/mo
▼ 0.25% · 3.875%
HK$189,244
−HK$5,015/mo
Today · 4.125%
HK$194,259
baseline
▲ 0.50% · 4.625%
HK$204,498
+HK$10,239/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$388,518/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,399 · Scale 2, in force from 26 Feb 2026)