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$91,583
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,431
−HK$2,895/mo
Today · 4.125%
HK$97,326
baseline
▲ 0.50% · 4.625%
HK$103,248
+HK$5,922/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$194,652/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,885
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,617
−HK$2,772/mo
Today · 4.125%
HK$107,389
baseline
▲ 0.50% · 4.625%
HK$113,050
+HK$5,661/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$214,778/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,899
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,318
−HK$3,473/mo
Today · 4.125%
HK$116,791
baseline
▲ 0.50% · 4.625%
HK$123,897
+HK$7,106/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$233,582/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,262
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,541
−HK$3,326/mo
Today · 4.125%
HK$128,867
baseline
▲ 0.50% · 4.625%
HK$135,660
+HK$6,793/mo
Deposit HK$16.07M · loan HK$24.10M · min. income ≈ HK$257,734/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,216
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$132,204
−HK$4,052/mo
Today · 4.125%
HK$136,256
baseline
▲ 0.50% · 4.625%
HK$144,547
+HK$8,291/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$272,512/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,639
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,464
−HK$3,881/mo
Today · 4.125%
HK$150,345
baseline
▲ 0.50% · 4.625%
HK$158,270
+HK$7,925/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$300,690/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,849
−HK$10,337/mo
▼ 0.25% · 3.875%
HK$169,976
−HK$5,210/mo
Today · 4.125%
HK$175,186
baseline
▲ 0.50% · 4.625%
HK$185,846
+HK$10,660/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$350,372/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,392
−HK$9,909/mo
▼ 0.25% · 3.875%
HK$188,311
−HK$4,990/mo
Today · 4.125%
HK$193,301
baseline
▲ 0.50% · 4.625%
HK$203,490
+HK$10,189/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$386,602/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,939 · Scale 2, in force from 26 Feb 2026)