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$91,871
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,729
−HK$2,903/mo
Today · 4.125%
HK$97,632
baseline
▲ 0.50% · 4.625%
HK$103,573
+HK$5,941/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,264/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,206
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$104,947
−HK$2,781/mo
Today · 4.125%
HK$107,728
baseline
▲ 0.50% · 4.625%
HK$113,406
+HK$5,678/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,456/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,245
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,675
−HK$3,484/mo
Today · 4.125%
HK$117,159
baseline
▲ 0.50% · 4.625%
HK$124,288
+HK$7,129/mo
Deposit HK$16.12M · loan HK$24.17M · min. income ≈ HK$234,318/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,647
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,936
−HK$3,337/mo
Today · 4.125%
HK$129,273
baseline
▲ 0.50% · 4.625%
HK$136,087
+HK$6,814/mo
Deposit HK$16.12M · loan HK$24.17M · min. income ≈ HK$258,546/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,620
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,620
−HK$4,065/mo
Today · 4.125%
HK$136,685
baseline
▲ 0.50% · 4.625%
HK$145,002
+HK$8,317/mo
Deposit HK$12.09M · loan HK$28.20M · min. income ≈ HK$273,370/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,088
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,926
−HK$3,893/mo
Today · 4.125%
HK$150,819
baseline
▲ 0.50% · 4.625%
HK$158,768
+HK$7,949/mo
Deposit HK$12.09M · loan HK$28.20M · min. income ≈ HK$301,638/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,368
−HK$10,370/mo
▼ 0.25% · 3.875%
HK$170,512
−HK$5,226/mo
Today · 4.125%
HK$175,738
baseline
▲ 0.50% · 4.625%
HK$186,431
+HK$10,693/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$351,476/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,970
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$188,904
−HK$5,006/mo
Today · 4.125%
HK$193,910
baseline
▲ 0.50% · 4.625%
HK$204,131
+HK$10,221/mo
Deposit HK$4.03M · loan HK$36.26M · min. income ≈ HK$387,820/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,318 · Scale 2, in force from 26 Feb 2026)