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$91,462
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$94,307
−HK$2,891/mo
Today · 4.125%
HK$97,198
baseline
▲ 0.50% · 4.625%
HK$103,112
+HK$5,914/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$194,396/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,751
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,480
−HK$2,768/mo
Today · 4.125%
HK$107,248
baseline
▲ 0.50% · 4.625%
HK$112,901
+HK$5,653/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$214,496/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,755
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,169
−HK$3,468/mo
Today · 4.125%
HK$116,637
baseline
▲ 0.50% · 4.625%
HK$123,735
+HK$7,098/mo
Deposit HK$16.04M · loan HK$24.07M · min. income ≈ HK$233,274/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,101
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,376
−HK$3,322/mo
Today · 4.125%
HK$128,698
baseline
▲ 0.50% · 4.625%
HK$135,482
+HK$6,784/mo
Deposit HK$16.04M · loan HK$24.07M · min. income ≈ HK$257,396/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,047
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,030
−HK$4,047/mo
Today · 4.125%
HK$136,077
baseline
▲ 0.50% · 4.625%
HK$144,357
+HK$8,280/mo
Deposit HK$12.03M · loan HK$28.08M · min. income ≈ HK$272,154/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,451
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,272
−HK$3,876/mo
Today · 4.125%
HK$150,148
baseline
▲ 0.50% · 4.625%
HK$158,062
+HK$7,914/mo
Deposit HK$12.03M · loan HK$28.08M · min. income ≈ HK$300,296/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,632
−HK$10,324/mo
▼ 0.25% · 3.875%
HK$169,753
−HK$5,203/mo
Today · 4.125%
HK$174,956
baseline
▲ 0.50% · 4.625%
HK$185,602
+HK$10,646/mo
Deposit HK$4.01M · loan HK$36.10M · min. income ≈ HK$349,912/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,152
−HK$9,895/mo
▼ 0.25% · 3.875%
HK$188,064
−HK$4,983/mo
Today · 4.125%
HK$193,047
baseline
▲ 0.50% · 4.625%
HK$203,223
+HK$10,176/mo
Deposit HK$4.01M · loan HK$36.10M · min. income ≈ HK$386,094/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,704,700 · Scale 2, in force from 26 Feb 2026)