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$91,836
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,693
−HK$2,902/mo
Today · 4.125%
HK$97,595
baseline
▲ 0.50% · 4.625%
HK$103,533
+HK$5,938/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,190/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,167
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,907
−HK$2,779/mo
Today · 4.125%
HK$107,686
baseline
▲ 0.50% · 4.625%
HK$113,363
+HK$5,677/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,372/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,203
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,631
−HK$3,483/mo
Today · 4.125%
HK$117,114
baseline
▲ 0.50% · 4.625%
HK$124,240
+HK$7,126/mo
Deposit HK$16.11M · loan HK$24.16M · min. income ≈ HK$234,228/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,600
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,888
−HK$3,336/mo
Today · 4.125%
HK$129,224
baseline
▲ 0.50% · 4.625%
HK$136,035
+HK$6,811/mo
Deposit HK$16.11M · loan HK$24.16M · min. income ≈ HK$258,448/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,570
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$132,570
−HK$4,063/mo
Today · 4.125%
HK$136,633
baseline
▲ 0.50% · 4.625%
HK$144,947
+HK$8,314/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$273,266/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,033
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$146,869
−HK$3,892/mo
Today · 4.125%
HK$150,761
baseline
▲ 0.50% · 4.625%
HK$158,708
+HK$7,947/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$301,522/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,305
−HK$10,366/mo
▼ 0.25% · 3.875%
HK$170,447
−HK$5,224/mo
Today · 4.125%
HK$175,671
baseline
▲ 0.50% · 4.625%
HK$186,360
+HK$10,689/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$351,342/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,900
−HK$9,935/mo
▼ 0.25% · 3.875%
HK$188,832
−HK$5,003/mo
Today · 4.125%
HK$193,835
baseline
▲ 0.50% · 4.625%
HK$204,053
+HK$10,218/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$387,670/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,662 · Scale 2, in force from 26 Feb 2026)