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$91,881
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,739
−HK$2,904/mo
Today · 4.125%
HK$97,643
baseline
▲ 0.50% · 4.625%
HK$103,584
+HK$5,941/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$195,286/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,217
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,958
−HK$2,781/mo
Today · 4.125%
HK$107,739
baseline
▲ 0.50% · 4.625%
HK$113,418
+HK$5,679/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$215,478/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,257
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,687
−HK$3,485/mo
Today · 4.125%
HK$117,172
baseline
▲ 0.50% · 4.625%
HK$124,301
+HK$7,129/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$234,344/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,660
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,950
−HK$3,337/mo
Today · 4.125%
HK$129,287
baseline
▲ 0.50% · 4.625%
HK$136,102
+HK$6,815/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$258,574/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,634
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$132,635
−HK$4,065/mo
Today · 4.125%
HK$136,700
baseline
▲ 0.50% · 4.625%
HK$145,018
+HK$8,318/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$273,400/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,104
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,942
−HK$3,893/mo
Today · 4.125%
HK$150,835
baseline
▲ 0.50% · 4.625%
HK$158,786
+HK$7,951/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$301,670/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,386
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$170,531
−HK$5,226/mo
Today · 4.125%
HK$175,757
baseline
▲ 0.50% · 4.625%
HK$186,452
+HK$10,695/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$351,514/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,990
−HK$9,941/mo
▼ 0.25% · 3.875%
HK$188,925
−HK$5,006/mo
Today · 4.125%
HK$193,931
baseline
▲ 0.50% · 4.625%
HK$204,153
+HK$10,222/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$387,862/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,505 · Scale 2, in force from 26 Feb 2026)