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$91,561
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,409
−HK$2,894/mo
Today · 4.125%
HK$97,303
baseline
▲ 0.50% · 4.625%
HK$103,223
+HK$5,920/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$194,606/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,861
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,592
−HK$2,772/mo
Today · 4.125%
HK$107,364
baseline
▲ 0.50% · 4.625%
HK$113,023
+HK$5,659/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$214,728/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,873
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,291
−HK$3,472/mo
Today · 4.125%
HK$116,763
baseline
▲ 0.50% · 4.625%
HK$123,868
+HK$7,105/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$233,526/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,233
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,511
−HK$3,326/mo
Today · 4.125%
HK$128,837
baseline
▲ 0.50% · 4.625%
HK$135,628
+HK$6,791/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$257,674/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,185
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,173
−HK$4,051/mo
Today · 4.125%
HK$136,224
baseline
▲ 0.50% · 4.625%
HK$144,512
+HK$8,288/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$272,448/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,605
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,429
−HK$3,880/mo
Today · 4.125%
HK$150,309
baseline
▲ 0.50% · 4.625%
HK$158,232
+HK$7,923/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$300,618/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,810
−HK$10,335/mo
▼ 0.25% · 3.875%
HK$169,936
−HK$5,209/mo
Today · 4.125%
HK$175,145
baseline
▲ 0.50% · 4.625%
HK$185,802
+HK$10,657/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$350,290/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,349
−HK$9,906/mo
▼ 0.25% · 3.875%
HK$188,266
−HK$4,989/mo
Today · 4.125%
HK$193,255
baseline
▲ 0.50% · 4.625%
HK$203,442
+HK$10,187/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$386,510/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,535 · Scale 2, in force from 26 Feb 2026)