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$91,547
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$94,395
−HK$2,893/mo
Today · 4.125%
HK$97,288
baseline
▲ 0.50% · 4.625%
HK$103,208
+HK$5,920/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$194,576/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,845
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,577
−HK$2,770/mo
Today · 4.125%
HK$107,347
baseline
▲ 0.50% · 4.625%
HK$113,006
+HK$5,659/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$214,694/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,856
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,274
−HK$3,471/mo
Today · 4.125%
HK$116,745
baseline
▲ 0.50% · 4.625%
HK$123,849
+HK$7,104/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$233,490/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,214
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,492
−HK$3,325/mo
Today · 4.125%
HK$128,817
baseline
▲ 0.50% · 4.625%
HK$135,607
+HK$6,790/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$257,634/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,166
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$132,152
−HK$4,051/mo
Today · 4.125%
HK$136,203
baseline
▲ 0.50% · 4.625%
HK$144,491
+HK$8,288/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$272,406/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,583
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$146,407
−HK$3,879/mo
Today · 4.125%
HK$150,286
baseline
▲ 0.50% · 4.625%
HK$158,208
+HK$7,922/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$300,572/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,785
−HK$10,333/mo
▼ 0.25% · 3.875%
HK$169,910
−HK$5,208/mo
Today · 4.125%
HK$175,118
baseline
▲ 0.50% · 4.625%
HK$185,774
+HK$10,656/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$350,236/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,321
−HK$9,904/mo
▼ 0.25% · 3.875%
HK$188,238
−HK$4,987/mo
Today · 4.125%
HK$193,225
baseline
▲ 0.50% · 4.625%
HK$203,411
+HK$10,186/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$386,450/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,277 · Scale 2, in force from 26 Feb 2026)