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$91,828
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$94,684
−HK$2,902/mo
Today · 4.125%
HK$97,586
baseline
▲ 0.50% · 4.625%
HK$103,524
+HK$5,938/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,172/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,157
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,897
−HK$2,780/mo
Today · 4.125%
HK$107,677
baseline
▲ 0.50% · 4.625%
HK$113,352
+HK$5,675/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,354/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,193
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,621
−HK$3,482/mo
Today · 4.125%
HK$117,103
baseline
▲ 0.50% · 4.625%
HK$124,229
+HK$7,126/mo
Deposit HK$16.11M · loan HK$24.16M · min. income ≈ HK$234,206/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,589
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,877
−HK$3,335/mo
Today · 4.125%
HK$129,212
baseline
▲ 0.50% · 4.625%
HK$136,023
+HK$6,811/mo
Deposit HK$16.11M · loan HK$24.16M · min. income ≈ HK$258,424/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,559
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$132,558
−HK$4,062/mo
Today · 4.125%
HK$136,620
baseline
▲ 0.50% · 4.625%
HK$144,933
+HK$8,313/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$273,240/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,020
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$146,856
−HK$3,891/mo
Today · 4.125%
HK$150,747
baseline
▲ 0.50% · 4.625%
HK$158,693
+HK$7,946/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$301,494/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,290
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$170,431
−HK$5,224/mo
Today · 4.125%
HK$175,655
baseline
▲ 0.50% · 4.625%
HK$186,343
+HK$10,688/mo
Deposit HK$4.03M · loan HK$36.24M · min. income ≈ HK$351,310/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,883
−HK$9,935/mo
▼ 0.25% · 3.875%
HK$188,815
−HK$5,003/mo
Today · 4.125%
HK$193,818
baseline
▲ 0.50% · 4.625%
HK$204,034
+HK$10,216/mo
Deposit HK$4.03M · loan HK$36.24M · min. income ≈ HK$387,636/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,507 · Scale 2, in force from 26 Feb 2026)