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$92,176
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,043
−HK$2,913/mo
Today · 4.125%
HK$97,956
baseline
▲ 0.50% · 4.625%
HK$103,917
+HK$5,961/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$195,912/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,545
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,295
−HK$2,790/mo
Today · 4.125%
HK$108,085
baseline
▲ 0.50% · 4.625%
HK$113,783
+HK$5,698/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$216,170/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,611
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,052
−HK$3,496/mo
Today · 4.125%
HK$117,548
baseline
▲ 0.50% · 4.625%
HK$124,700
+HK$7,152/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$235,096/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,054
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,354
−HK$3,348/mo
Today · 4.125%
HK$129,702
baseline
▲ 0.50% · 4.625%
HK$136,539
+HK$6,837/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$259,404/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,047
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$133,061
−HK$4,078/mo
Today · 4.125%
HK$137,139
baseline
▲ 0.50% · 4.625%
HK$145,484
+HK$8,345/mo
Deposit HK$12.13M · loan HK$28.30M · min. income ≈ HK$274,278/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,563
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$147,413
−HK$3,906/mo
Today · 4.125%
HK$151,319
baseline
▲ 0.50% · 4.625%
HK$159,296
+HK$7,977/mo
Deposit HK$12.13M · loan HK$28.30M · min. income ≈ HK$302,638/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,917
−HK$10,405/mo
▼ 0.25% · 3.875%
HK$171,078
−HK$5,244/mo
Today · 4.125%
HK$176,322
baseline
▲ 0.50% · 4.625%
HK$187,050
+HK$10,728/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$352,644/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,581
−HK$9,973/mo
▼ 0.25% · 3.875%
HK$189,532
−HK$5,022/mo
Today · 4.125%
HK$194,554
baseline
▲ 0.50% · 4.625%
HK$204,809
+HK$10,255/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$389,108/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,004 · Scale 2, in force from 26 Feb 2026)