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$91,579
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,428
−HK$2,894/mo
Today · 4.125%
HK$97,322
baseline
▲ 0.50% · 4.625%
HK$103,244
+HK$5,922/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$194,644/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,881
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,614
−HK$2,771/mo
Today · 4.125%
HK$107,385
baseline
▲ 0.50% · 4.625%
HK$113,046
+HK$5,661/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$214,770/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,895
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,314
−HK$3,473/mo
Today · 4.125%
HK$116,787
baseline
▲ 0.50% · 4.625%
HK$123,893
+HK$7,106/mo
Deposit HK$16.06M · loan HK$24.10M · min. income ≈ HK$233,574/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,257
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,536
−HK$3,327/mo
Today · 4.125%
HK$128,863
baseline
▲ 0.50% · 4.625%
HK$135,655
+HK$6,792/mo
Deposit HK$16.06M · loan HK$24.10M · min. income ≈ HK$257,726/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,211
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$132,199
−HK$4,052/mo
Today · 4.125%
HK$136,251
baseline
▲ 0.50% · 4.625%
HK$144,542
+HK$8,291/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$272,502/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,634
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,459
−HK$3,881/mo
Today · 4.125%
HK$150,340
baseline
▲ 0.50% · 4.625%
HK$158,264
+HK$7,924/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$300,680/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,843
−HK$10,337/mo
▼ 0.25% · 3.875%
HK$169,970
−HK$5,210/mo
Today · 4.125%
HK$175,180
baseline
▲ 0.50% · 4.625%
HK$185,839
+HK$10,659/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$350,360/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,386
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$188,304
−HK$4,990/mo
Today · 4.125%
HK$193,294
baseline
▲ 0.50% · 4.625%
HK$203,483
+HK$10,189/mo
Deposit HK$4.02M · loan HK$36.15M · min. income ≈ HK$386,588/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,880 · Scale 2, in force from 26 Feb 2026)