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$91,698
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,550
−HK$2,898/mo
Today · 4.125%
HK$97,448
baseline
▲ 0.50% · 4.625%
HK$103,377
+HK$5,929/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$194,896/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,013
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,748
−HK$2,776/mo
Today · 4.125%
HK$107,524
baseline
▲ 0.50% · 4.625%
HK$113,192
+HK$5,668/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$215,048/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,037
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,460
−HK$3,477/mo
Today · 4.125%
HK$116,937
baseline
▲ 0.50% · 4.625%
HK$124,053
+HK$7,116/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$233,874/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,415
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,698
−HK$3,331/mo
Today · 4.125%
HK$129,029
baseline
▲ 0.50% · 4.625%
HK$135,830
+HK$6,801/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$258,058/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,377
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,370
−HK$4,057/mo
Today · 4.125%
HK$136,427
baseline
▲ 0.50% · 4.625%
HK$144,728
+HK$8,301/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$272,854/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,818
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,648
−HK$3,886/mo
Today · 4.125%
HK$150,534
baseline
▲ 0.50% · 4.625%
HK$158,468
+HK$7,934/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$301,068/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,056
−HK$10,350/mo
▼ 0.25% · 3.875%
HK$170,190
−HK$5,216/mo
Today · 4.125%
HK$175,406
baseline
▲ 0.50% · 4.625%
HK$186,079
+HK$10,673/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$350,812/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,623
−HK$9,920/mo
▼ 0.25% · 3.875%
HK$188,547
−HK$4,996/mo
Today · 4.125%
HK$193,543
baseline
▲ 0.50% · 4.625%
HK$203,745
+HK$10,202/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$387,086/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,082 · Scale 2, in force from 26 Feb 2026)