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$91,650
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,500
−HK$2,897/mo
Today · 4.125%
HK$97,397
baseline
▲ 0.50% · 4.625%
HK$103,323
+HK$5,926/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$194,794/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,959
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,694
−HK$2,774/mo
Today · 4.125%
HK$107,468
baseline
▲ 0.50% · 4.625%
HK$113,133
+HK$5,665/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$214,936/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,980
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,400
−HK$3,476/mo
Today · 4.125%
HK$116,876
baseline
▲ 0.50% · 4.625%
HK$123,988
+HK$7,112/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$233,752/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,351
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,632
−HK$3,329/mo
Today · 4.125%
HK$128,961
baseline
▲ 0.50% · 4.625%
HK$135,759
+HK$6,798/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$257,922/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,309
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,301
−HK$4,055/mo
Today · 4.125%
HK$136,356
baseline
▲ 0.50% · 4.625%
HK$144,652
+HK$8,296/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$272,712/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,743
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$146,571
−HK$3,884/mo
Today · 4.125%
HK$150,455
baseline
▲ 0.50% · 4.625%
HK$158,386
+HK$7,931/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$300,910/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,969
−HK$10,345/mo
▼ 0.25% · 3.875%
HK$170,101
−HK$5,213/mo
Today · 4.125%
HK$175,314
baseline
▲ 0.50% · 4.625%
HK$185,982
+HK$10,668/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$350,628/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,527
−HK$9,915/mo
▼ 0.25% · 3.875%
HK$188,449
−HK$4,993/mo
Today · 4.125%
HK$193,442
baseline
▲ 0.50% · 4.625%
HK$203,639
+HK$10,197/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$386,884/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,189 · Scale 2, in force from 26 Feb 2026)