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$91,630
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,480
−HK$2,896/mo
Today · 4.125%
HK$97,376
baseline
▲ 0.50% · 4.625%
HK$103,301
+HK$5,925/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$194,752/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,937
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,671
−HK$2,774/mo
Today · 4.125%
HK$107,445
baseline
▲ 0.50% · 4.625%
HK$113,108
+HK$5,663/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$214,890/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,956
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,376
−HK$3,475/mo
Today · 4.125%
HK$116,851
baseline
▲ 0.50% · 4.625%
HK$123,961
+HK$7,110/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$233,702/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,325
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,605
−HK$3,329/mo
Today · 4.125%
HK$128,934
baseline
▲ 0.50% · 4.625%
HK$135,730
+HK$6,796/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$257,868/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,282
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,272
−HK$4,054/mo
Today · 4.125%
HK$136,326
baseline
▲ 0.50% · 4.625%
HK$144,621
+HK$8,295/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$272,652/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,712
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,540
−HK$3,883/mo
Today · 4.125%
HK$150,423
baseline
▲ 0.50% · 4.625%
HK$158,352
+HK$7,929/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$300,846/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,934
−HK$10,343/mo
▼ 0.25% · 3.875%
HK$170,064
−HK$5,213/mo
Today · 4.125%
HK$175,277
baseline
▲ 0.50% · 4.625%
HK$185,942
+HK$10,665/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$350,554/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,487
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$188,408
−HK$4,992/mo
Today · 4.125%
HK$193,400
baseline
▲ 0.50% · 4.625%
HK$203,595
+HK$10,195/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$386,800/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,707,821 · Scale 2, in force from 26 Feb 2026)