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$91,770
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,625
−HK$2,900/mo
Today · 4.125%
HK$97,525
baseline
▲ 0.50% · 4.625%
HK$103,459
+HK$5,934/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$195,050/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,094
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,832
−HK$2,777/mo
Today · 4.125%
HK$107,609
baseline
▲ 0.50% · 4.625%
HK$113,282
+HK$5,673/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$215,218/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,124
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,550
−HK$3,480/mo
Today · 4.125%
HK$117,030
baseline
▲ 0.50% · 4.625%
HK$124,151
+HK$7,121/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$234,060/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,512
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,798
−HK$3,333/mo
Today · 4.125%
HK$129,131
baseline
▲ 0.50% · 4.625%
HK$135,938
+HK$6,807/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$258,262/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,479
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$132,475
−HK$4,060/mo
Today · 4.125%
HK$136,535
baseline
▲ 0.50% · 4.625%
HK$144,843
+HK$8,308/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$273,070/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,931
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,764
−HK$3,889/mo
Today · 4.125%
HK$150,653
baseline
▲ 0.50% · 4.625%
HK$158,594
+HK$7,941/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$301,306/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,187
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$170,325
−HK$5,220/mo
Today · 4.125%
HK$175,545
baseline
▲ 0.50% · 4.625%
HK$186,227
+HK$10,682/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$351,090/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,769
−HK$9,928/mo
▼ 0.25% · 3.875%
HK$188,697
−HK$5,000/mo
Today · 4.125%
HK$193,697
baseline
▲ 0.50% · 4.625%
HK$203,907
+HK$10,210/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$387,394/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,440 · Scale 2, in force from 26 Feb 2026)