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$91,721
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,574
−HK$2,899/mo
Today · 4.125%
HK$97,473
baseline
▲ 0.50% · 4.625%
HK$103,404
+HK$5,931/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$194,946/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,039
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,775
−HK$2,776/mo
Today · 4.125%
HK$107,551
baseline
▲ 0.50% · 4.625%
HK$113,221
+HK$5,670/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$215,102/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,065
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$113,489
−HK$3,478/mo
Today · 4.125%
HK$116,967
baseline
▲ 0.50% · 4.625%
HK$124,084
+HK$7,117/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$233,934/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,446
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,730
−HK$3,332/mo
Today · 4.125%
HK$129,062
baseline
▲ 0.50% · 4.625%
HK$135,865
+HK$6,803/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$258,124/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,409
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$132,403
−HK$4,059/mo
Today · 4.125%
HK$136,462
baseline
▲ 0.50% · 4.625%
HK$144,765
+HK$8,303/mo
Deposit HK$12.07M · loan HK$28.16M · min. income ≈ HK$272,924/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,854
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,685
−HK$3,887/mo
Today · 4.125%
HK$150,572
baseline
▲ 0.50% · 4.625%
HK$158,509
+HK$7,937/mo
Deposit HK$12.07M · loan HK$28.16M · min. income ≈ HK$301,144/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,098
−HK$10,353/mo
▼ 0.25% · 3.875%
HK$170,233
−HK$5,218/mo
Today · 4.125%
HK$175,451
baseline
▲ 0.50% · 4.625%
HK$186,126
+HK$10,675/mo
Deposit HK$4.02M · loan HK$36.20M · min. income ≈ HK$350,902/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,669
−HK$9,923/mo
▼ 0.25% · 3.875%
HK$188,595
−HK$4,997/mo
Today · 4.125%
HK$193,592
baseline
▲ 0.50% · 4.625%
HK$203,797
+HK$10,205/mo
Deposit HK$4.02M · loan HK$36.20M · min. income ≈ HK$387,184/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,517 · Scale 2, in force from 26 Feb 2026)