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$92,129
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$94,995
−HK$2,911/mo
Today · 4.125%
HK$97,906
baseline
▲ 0.50% · 4.625%
HK$103,864
+HK$5,958/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$195,812/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,493
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$105,241
−HK$2,789/mo
Today · 4.125%
HK$108,030
baseline
▲ 0.50% · 4.625%
HK$113,724
+HK$5,694/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$216,060/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,555
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,994
−HK$3,494/mo
Today · 4.125%
HK$117,488
baseline
▲ 0.50% · 4.625%
HK$124,637
+HK$7,149/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$234,976/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,991
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,290
−HK$3,346/mo
Today · 4.125%
HK$129,636
baseline
▲ 0.50% · 4.625%
HK$136,469
+HK$6,833/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$259,272/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,981
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$132,993
−HK$4,076/mo
Today · 4.125%
HK$137,069
baseline
▲ 0.50% · 4.625%
HK$145,409
+HK$8,340/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$274,138/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,490
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$147,338
−HK$3,904/mo
Today · 4.125%
HK$151,242
baseline
▲ 0.50% · 4.625%
HK$159,214
+HK$7,972/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$302,484/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,832
−HK$10,400/mo
▼ 0.25% · 3.875%
HK$170,991
−HK$5,241/mo
Today · 4.125%
HK$176,232
baseline
▲ 0.50% · 4.625%
HK$186,955
+HK$10,723/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$352,464/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,487
−HK$9,967/mo
▼ 0.25% · 3.875%
HK$189,435
−HK$5,019/mo
Today · 4.125%
HK$194,454
baseline
▲ 0.50% · 4.625%
HK$204,704
+HK$10,250/mo
Deposit HK$4.04M · loan HK$36.36M · min. income ≈ HK$388,908/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,126 · Scale 2, in force from 26 Feb 2026)