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$92,077
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,941
−HK$2,910/mo
Today · 4.125%
HK$97,851
baseline
▲ 0.50% · 4.625%
HK$103,805
+HK$5,954/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$195,702/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,435
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,182
−HK$2,787/mo
Today · 4.125%
HK$107,969
baseline
▲ 0.50% · 4.625%
HK$113,660
+HK$5,691/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$215,938/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,492
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,929
−HK$3,492/mo
Today · 4.125%
HK$117,421
baseline
▲ 0.50% · 4.625%
HK$124,566
+HK$7,145/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$234,842/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,922
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,218
−HK$3,345/mo
Today · 4.125%
HK$129,563
baseline
▲ 0.50% · 4.625%
HK$136,392
+HK$6,829/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$259,126/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,908
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,917
−HK$4,074/mo
Today · 4.125%
HK$136,991
baseline
▲ 0.50% · 4.625%
HK$145,327
+HK$8,336/mo
Deposit HK$12.11M · loan HK$28.27M · min. income ≈ HK$273,982/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,409
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,255
−HK$3,901/mo
Today · 4.125%
HK$151,156
baseline
▲ 0.50% · 4.625%
HK$159,124
+HK$7,968/mo
Deposit HK$12.11M · loan HK$28.27M · min. income ≈ HK$302,312/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,739
−HK$10,393/mo
▼ 0.25% · 3.875%
HK$170,894
−HK$5,238/mo
Today · 4.125%
HK$176,132
baseline
▲ 0.50% · 4.625%
HK$186,849
+HK$10,717/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$352,264/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,382
−HK$9,962/mo
▼ 0.25% · 3.875%
HK$189,327
−HK$5,017/mo
Today · 4.125%
HK$194,344
baseline
▲ 0.50% · 4.625%
HK$204,588
+HK$10,244/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$388,688/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,154 · Scale 2, in force from 26 Feb 2026)