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$92,131
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$94,997
−HK$2,912/mo
Today · 4.125%
HK$97,909
baseline
▲ 0.50% · 4.625%
HK$103,866
+HK$5,957/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$195,818/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,495
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,244
−HK$2,789/mo
Today · 4.125%
HK$108,033
baseline
▲ 0.50% · 4.625%
HK$113,727
+HK$5,694/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$216,066/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,557
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,996
−HK$3,494/mo
Today · 4.125%
HK$117,490
baseline
▲ 0.50% · 4.625%
HK$124,639
+HK$7,149/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$234,980/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,994
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,293
−HK$3,346/mo
Today · 4.125%
HK$129,639
baseline
▲ 0.50% · 4.625%
HK$136,473
+HK$6,834/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$259,278/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,984
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$132,996
−HK$4,076/mo
Today · 4.125%
HK$137,072
baseline
▲ 0.50% · 4.625%
HK$145,413
+HK$8,341/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$274,144/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,493
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$147,342
−HK$3,904/mo
Today · 4.125%
HK$151,246
baseline
▲ 0.50% · 4.625%
HK$159,218
+HK$7,972/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$302,492/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,836
−HK$10,400/mo
▼ 0.25% · 3.875%
HK$170,995
−HK$5,241/mo
Today · 4.125%
HK$176,236
baseline
▲ 0.50% · 4.625%
HK$186,959
+HK$10,723/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$352,472/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,491
−HK$9,968/mo
▼ 0.25% · 3.875%
HK$189,439
−HK$5,020/mo
Today · 4.125%
HK$194,459
baseline
▲ 0.50% · 4.625%
HK$204,709
+HK$10,250/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$388,918/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,166 · Scale 2, in force from 26 Feb 2026)