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$91,671
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,522
−HK$2,897/mo
Today · 4.125%
HK$97,419
baseline
▲ 0.50% · 4.625%
HK$103,347
+HK$5,928/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$194,838/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,983
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,718
−HK$2,775/mo
Today · 4.125%
HK$107,493
baseline
▲ 0.50% · 4.625%
HK$113,159
+HK$5,666/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$214,986/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,005
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,427
−HK$3,476/mo
Today · 4.125%
HK$116,903
baseline
▲ 0.50% · 4.625%
HK$124,017
+HK$7,114/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$233,806/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,379
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,662
−HK$3,329/mo
Today · 4.125%
HK$128,991
baseline
▲ 0.50% · 4.625%
HK$135,791
+HK$6,800/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$257,982/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,339
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$132,331
−HK$4,056/mo
Today · 4.125%
HK$136,387
baseline
▲ 0.50% · 4.625%
HK$144,686
+HK$8,299/mo
Deposit HK$12.06M · loan HK$28.14M · min. income ≈ HK$272,774/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,776
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,605
−HK$3,885/mo
Today · 4.125%
HK$150,490
baseline
▲ 0.50% · 4.625%
HK$158,422
+HK$7,932/mo
Deposit HK$12.06M · loan HK$28.14M · min. income ≈ HK$300,980/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,007
−HK$10,348/mo
▼ 0.25% · 3.875%
HK$170,140
−HK$5,215/mo
Today · 4.125%
HK$175,355
baseline
▲ 0.50% · 4.625%
HK$186,025
+HK$10,670/mo
Deposit HK$4.02M · loan HK$36.18M · min. income ≈ HK$350,710/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,569
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$188,492
−HK$4,995/mo
Today · 4.125%
HK$193,487
baseline
▲ 0.50% · 4.625%
HK$203,686
+HK$10,199/mo
Deposit HK$4.02M · loan HK$36.18M · min. income ≈ HK$386,974/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,584 · Scale 2, in force from 26 Feb 2026)