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$92,116
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,981
−HK$2,911/mo
Today · 4.125%
HK$97,892
baseline
▲ 0.50% · 4.625%
HK$103,849
+HK$5,957/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$195,784/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,478
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,226
−HK$2,788/mo
Today · 4.125%
HK$108,014
baseline
▲ 0.50% · 4.625%
HK$113,708
+HK$5,694/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$216,028/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,539
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,977
−HK$3,494/mo
Today · 4.125%
HK$117,471
baseline
▲ 0.50% · 4.625%
HK$124,618
+HK$7,147/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$234,942/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,973
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,272
−HK$3,345/mo
Today · 4.125%
HK$129,617
baseline
▲ 0.50% · 4.625%
HK$136,450
+HK$6,833/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$259,234/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,962
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$132,974
−HK$4,075/mo
Today · 4.125%
HK$137,049
baseline
▲ 0.50% · 4.625%
HK$145,388
+HK$8,339/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$274,098/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,469
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$147,317
−HK$3,903/mo
Today · 4.125%
HK$151,220
baseline
▲ 0.50% · 4.625%
HK$159,191
+HK$7,971/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$302,440/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,808
−HK$10,398/mo
▼ 0.25% · 3.875%
HK$170,966
−HK$5,240/mo
Today · 4.125%
HK$176,206
baseline
▲ 0.50% · 4.625%
HK$186,928
+HK$10,722/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$352,412/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,460
−HK$9,966/mo
▼ 0.25% · 3.875%
HK$189,407
−HK$5,019/mo
Today · 4.125%
HK$194,426
baseline
▲ 0.50% · 4.625%
HK$204,674
+HK$10,248/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$388,852/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,877 · Scale 2, in force from 26 Feb 2026)