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$92,093
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,958
−HK$2,910/mo
Today · 4.125%
HK$97,868
baseline
▲ 0.50% · 4.625%
HK$103,823
+HK$5,955/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$195,736/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,453
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,200
−HK$2,788/mo
Today · 4.125%
HK$107,988
baseline
▲ 0.50% · 4.625%
HK$113,680
+HK$5,692/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$215,976/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,512
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,949
−HK$3,493/mo
Today · 4.125%
HK$117,442
baseline
▲ 0.50% · 4.625%
HK$124,588
+HK$7,146/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$234,884/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,943
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,240
−HK$3,345/mo
Today · 4.125%
HK$129,585
baseline
▲ 0.50% · 4.625%
HK$136,416
+HK$6,831/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$259,170/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,930
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$132,941
−HK$4,074/mo
Today · 4.125%
HK$137,015
baseline
▲ 0.50% · 4.625%
HK$145,353
+HK$8,338/mo
Deposit HK$12.12M · loan HK$28.27M · min. income ≈ HK$274,030/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,434
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,281
−HK$3,902/mo
Today · 4.125%
HK$151,183
baseline
▲ 0.50% · 4.625%
HK$159,152
+HK$7,969/mo
Deposit HK$12.12M · loan HK$28.27M · min. income ≈ HK$302,366/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,768
−HK$10,395/mo
▼ 0.25% · 3.875%
HK$170,924
−HK$5,239/mo
Today · 4.125%
HK$176,163
baseline
▲ 0.50% · 4.625%
HK$186,882
+HK$10,719/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$352,326/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,415
−HK$9,963/mo
▼ 0.25% · 3.875%
HK$189,361
−HK$5,017/mo
Today · 4.125%
HK$194,378
baseline
▲ 0.50% · 4.625%
HK$204,624
+HK$10,246/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$388,756/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,456 · Scale 2, in force from 26 Feb 2026)