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$91,669
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,520
−HK$2,897/mo
Today · 4.125%
HK$97,417
baseline
▲ 0.50% · 4.625%
HK$103,345
+HK$5,928/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$194,834/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,981
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,716
−HK$2,774/mo
Today · 4.125%
HK$107,490
baseline
▲ 0.50% · 4.625%
HK$113,156
+HK$5,666/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$214,980/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,003
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,424
−HK$3,477/mo
Today · 4.125%
HK$116,901
baseline
▲ 0.50% · 4.625%
HK$124,014
+HK$7,113/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$233,802/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,377
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,659
−HK$3,330/mo
Today · 4.125%
HK$128,989
baseline
▲ 0.50% · 4.625%
HK$135,788
+HK$6,799/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$257,978/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,337
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,328
−HK$4,056/mo
Today · 4.125%
HK$136,384
baseline
▲ 0.50% · 4.625%
HK$144,683
+HK$8,299/mo
Deposit HK$12.06M · loan HK$28.14M · min. income ≈ HK$272,768/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,773
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,602
−HK$3,885/mo
Today · 4.125%
HK$150,487
baseline
▲ 0.50% · 4.625%
HK$158,419
+HK$7,932/mo
Deposit HK$12.06M · loan HK$28.14M · min. income ≈ HK$300,974/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,004
−HK$10,347/mo
▼ 0.25% · 3.875%
HK$170,137
−HK$5,214/mo
Today · 4.125%
HK$175,351
baseline
▲ 0.50% · 4.625%
HK$186,021
+HK$10,670/mo
Deposit HK$4.02M · loan HK$36.18M · min. income ≈ HK$350,702/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,565
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$188,488
−HK$4,995/mo
Today · 4.125%
HK$193,483
baseline
▲ 0.50% · 4.625%
HK$203,682
+HK$10,199/mo
Deposit HK$4.02M · loan HK$36.18M · min. income ≈ HK$386,966/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,549 · Scale 2, in force from 26 Feb 2026)