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$91,794
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,649
−HK$2,901/mo
Today · 4.125%
HK$97,550
baseline
▲ 0.50% · 4.625%
HK$103,486
+HK$5,936/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$195,100/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,120
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,859
−HK$2,778/mo
Today · 4.125%
HK$107,637
baseline
▲ 0.50% · 4.625%
HK$113,311
+HK$5,674/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$215,274/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,153
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,579
−HK$3,481/mo
Today · 4.125%
HK$117,060
baseline
▲ 0.50% · 4.625%
HK$124,183
+HK$7,123/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$234,120/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,544
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,830
−HK$3,334/mo
Today · 4.125%
HK$129,164
baseline
▲ 0.50% · 4.625%
HK$135,973
+HK$6,809/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$258,328/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,511
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$132,509
−HK$4,061/mo
Today · 4.125%
HK$136,570
baseline
▲ 0.50% · 4.625%
HK$144,880
+HK$8,310/mo
Deposit HK$12.08M · loan HK$28.18M · min. income ≈ HK$273,140/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,968
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,802
−HK$3,890/mo
Today · 4.125%
HK$150,692
baseline
▲ 0.50% · 4.625%
HK$158,635
+HK$7,943/mo
Deposit HK$12.08M · loan HK$28.18M · min. income ≈ HK$301,384/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,229
−HK$10,361/mo
▼ 0.25% · 3.875%
HK$170,369
−HK$5,221/mo
Today · 4.125%
HK$175,590
baseline
▲ 0.50% · 4.625%
HK$186,275
+HK$10,685/mo
Deposit HK$4.03M · loan HK$36.23M · min. income ≈ HK$351,180/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,816
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$188,746
−HK$5,001/mo
Today · 4.125%
HK$193,747
baseline
▲ 0.50% · 4.625%
HK$203,959
+HK$10,212/mo
Deposit HK$4.03M · loan HK$36.23M · min. income ≈ HK$387,494/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,879 · Scale 2, in force from 26 Feb 2026)