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$91,840
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,697
−HK$2,902/mo
Today · 4.125%
HK$97,599
baseline
▲ 0.50% · 4.625%
HK$103,538
+HK$5,939/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,198/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,171
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,912
−HK$2,779/mo
Today · 4.125%
HK$107,691
baseline
▲ 0.50% · 4.625%
HK$113,368
+HK$5,677/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,382/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,208
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,636
−HK$3,483/mo
Today · 4.125%
HK$117,119
baseline
▲ 0.50% · 4.625%
HK$124,246
+HK$7,127/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$234,238/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,606
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,894
−HK$3,336/mo
Today · 4.125%
HK$129,230
baseline
▲ 0.50% · 4.625%
HK$136,041
+HK$6,811/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$258,460/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,576
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$132,576
−HK$4,063/mo
Today · 4.125%
HK$136,639
baseline
▲ 0.50% · 4.625%
HK$144,953
+HK$8,314/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$273,278/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,040
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$146,876
−HK$3,892/mo
Today · 4.125%
HK$150,768
baseline
▲ 0.50% · 4.625%
HK$158,715
+HK$7,947/mo
Deposit HK$12.08M · loan HK$28.19M · min. income ≈ HK$301,536/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,312
−HK$10,367/mo
▼ 0.25% · 3.875%
HK$170,455
−HK$5,224/mo
Today · 4.125%
HK$175,679
baseline
▲ 0.50% · 4.625%
HK$186,369
+HK$10,690/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$351,358/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,908
−HK$9,936/mo
▼ 0.25% · 3.875%
HK$188,841
−HK$5,003/mo
Today · 4.125%
HK$193,844
baseline
▲ 0.50% · 4.625%
HK$204,062
+HK$10,218/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$387,688/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,742 · Scale 2, in force from 26 Feb 2026)