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$91,703
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,556
−HK$2,898/mo
Today · 4.125%
HK$97,454
baseline
▲ 0.50% · 4.625%
HK$103,384
+HK$5,930/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$194,908/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,019
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,755
−HK$2,776/mo
Today · 4.125%
HK$107,531
baseline
▲ 0.50% · 4.625%
HK$113,199
+HK$5,668/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$215,062/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,044
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,467
−HK$3,478/mo
Today · 4.125%
HK$116,945
baseline
▲ 0.50% · 4.625%
HK$124,061
+HK$7,116/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$233,890/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,423
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,706
−HK$3,331/mo
Today · 4.125%
HK$129,037
baseline
▲ 0.50% · 4.625%
HK$135,839
+HK$6,802/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$258,074/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,385
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$132,378
−HK$4,058/mo
Today · 4.125%
HK$136,436
baseline
▲ 0.50% · 4.625%
HK$144,737
+HK$8,301/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$272,872/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,827
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,657
−HK$3,886/mo
Today · 4.125%
HK$150,543
baseline
▲ 0.50% · 4.625%
HK$158,479
+HK$7,936/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$301,086/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,066
−HK$10,351/mo
▼ 0.25% · 3.875%
HK$170,201
−HK$5,216/mo
Today · 4.125%
HK$175,417
baseline
▲ 0.50% · 4.625%
HK$186,091
+HK$10,674/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$350,834/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,634
−HK$9,921/mo
▼ 0.25% · 3.875%
HK$188,559
−HK$4,996/mo
Today · 4.125%
HK$193,555
baseline
▲ 0.50% · 4.625%
HK$203,758
+HK$10,203/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$387,110/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,191 · Scale 2, in force from 26 Feb 2026)