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$91,945
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,805
−HK$2,906/mo
Today · 4.125%
HK$97,711
baseline
▲ 0.50% · 4.625%
HK$103,656
+HK$5,945/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$195,422/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,288
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,031
−HK$2,783/mo
Today · 4.125%
HK$107,814
baseline
▲ 0.50% · 4.625%
HK$113,497
+HK$5,683/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$215,628/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,334
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,766
−HK$3,487/mo
Today · 4.125%
HK$117,253
baseline
▲ 0.50% · 4.625%
HK$124,387
+HK$7,134/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$234,506/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,745
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,037
−HK$3,340/mo
Today · 4.125%
HK$129,377
baseline
▲ 0.50% · 4.625%
HK$136,196
+HK$6,819/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$258,754/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,723
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,727
−HK$4,068/mo
Today · 4.125%
HK$136,795
baseline
▲ 0.50% · 4.625%
HK$145,118
+HK$8,323/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$273,590/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,203
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,043
−HK$3,897/mo
Today · 4.125%
HK$150,940
baseline
▲ 0.50% · 4.625%
HK$158,896
+HK$7,956/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$301,880/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,501
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$170,649
−HK$5,230/mo
Today · 4.125%
HK$175,879
baseline
▲ 0.50% · 4.625%
HK$186,581
+HK$10,702/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$351,758/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,118
−HK$9,947/mo
▼ 0.25% · 3.875%
HK$189,056
−HK$5,009/mo
Today · 4.125%
HK$194,065
baseline
▲ 0.50% · 4.625%
HK$204,295
+HK$10,230/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$388,130/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,691 · Scale 2, in force from 26 Feb 2026)