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$91,862
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,720
−HK$2,903/mo
Today · 4.125%
HK$97,623
baseline
▲ 0.50% · 4.625%
HK$103,563
+HK$5,940/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,246/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,196
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,937
−HK$2,780/mo
Today · 4.125%
HK$107,717
baseline
▲ 0.50% · 4.625%
HK$113,395
+HK$5,678/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,434/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,235
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$113,664
−HK$3,484/mo
Today · 4.125%
HK$117,148
baseline
▲ 0.50% · 4.625%
HK$124,276
+HK$7,128/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$234,296/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,635
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,924
−HK$3,337/mo
Today · 4.125%
HK$129,261
baseline
▲ 0.50% · 4.625%
HK$136,074
+HK$6,813/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$258,522/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,607
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,608
−HK$4,064/mo
Today · 4.125%
HK$136,672
baseline
▲ 0.50% · 4.625%
HK$144,988
+HK$8,316/mo
Deposit HK$12.09M · loan HK$28.20M · min. income ≈ HK$273,344/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,074
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$146,912
−HK$3,892/mo
Today · 4.125%
HK$150,804
baseline
▲ 0.50% · 4.625%
HK$158,753
+HK$7,949/mo
Deposit HK$12.09M · loan HK$28.20M · min. income ≈ HK$301,608/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,352
−HK$10,369/mo
▼ 0.25% · 3.875%
HK$170,496
−HK$5,225/mo
Today · 4.125%
HK$175,721
baseline
▲ 0.50% · 4.625%
HK$186,414
+HK$10,693/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$351,442/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,953
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$188,886
−HK$5,005/mo
Today · 4.125%
HK$193,891
baseline
▲ 0.50% · 4.625%
HK$204,111
+HK$10,220/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$387,782/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,155 · Scale 2, in force from 26 Feb 2026)