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$91,939
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,799
−HK$2,906/mo
Today · 4.125%
HK$97,705
baseline
▲ 0.50% · 4.625%
HK$103,650
+HK$5,945/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$195,410/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,282
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,025
−HK$2,783/mo
Today · 4.125%
HK$107,808
baseline
▲ 0.50% · 4.625%
HK$113,490
+HK$5,682/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$215,616/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,327
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,759
−HK$3,487/mo
Today · 4.125%
HK$117,246
baseline
▲ 0.50% · 4.625%
HK$124,380
+HK$7,134/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$234,492/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,738
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,030
−HK$3,339/mo
Today · 4.125%
HK$129,369
baseline
▲ 0.50% · 4.625%
HK$136,188
+HK$6,819/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$258,738/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,715
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,719
−HK$4,068/mo
Today · 4.125%
HK$136,787
baseline
▲ 0.50% · 4.625%
HK$145,110
+HK$8,323/mo
Deposit HK$12.10M · loan HK$28.22M · min. income ≈ HK$273,574/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,194
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,035
−HK$3,896/mo
Today · 4.125%
HK$150,931
baseline
▲ 0.50% · 4.625%
HK$158,886
+HK$7,955/mo
Deposit HK$12.10M · loan HK$28.22M · min. income ≈ HK$301,862/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,491
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$170,639
−HK$5,230/mo
Today · 4.125%
HK$175,869
baseline
▲ 0.50% · 4.625%
HK$186,570
+HK$10,701/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$351,738/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,107
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$189,045
−HK$5,009/mo
Today · 4.125%
HK$194,054
baseline
▲ 0.50% · 4.625%
HK$204,283
+HK$10,229/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$388,108/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,591 · Scale 2, in force from 26 Feb 2026)