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$91,610
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,460
−HK$2,895/mo
Today · 4.125%
HK$97,355
baseline
▲ 0.50% · 4.625%
HK$103,279
+HK$5,924/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$194,710/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,916
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,649
−HK$2,773/mo
Today · 4.125%
HK$107,422
baseline
▲ 0.50% · 4.625%
HK$113,084
+HK$5,662/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$214,844/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,932
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,352
−HK$3,474/mo
Today · 4.125%
HK$116,826
baseline
▲ 0.50% · 4.625%
HK$123,935
+HK$7,109/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$233,652/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,299
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,579
−HK$3,327/mo
Today · 4.125%
HK$128,906
baseline
▲ 0.50% · 4.625%
HK$135,701
+HK$6,795/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$257,812/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,254
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,244
−HK$4,053/mo
Today · 4.125%
HK$136,297
baseline
▲ 0.50% · 4.625%
HK$144,590
+HK$8,293/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$272,594/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,682
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$146,508
−HK$3,882/mo
Today · 4.125%
HK$150,390
baseline
▲ 0.50% · 4.625%
HK$158,318
+HK$7,928/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$300,780/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,899
−HK$10,340/mo
▼ 0.25% · 3.875%
HK$170,028
−HK$5,211/mo
Today · 4.125%
HK$175,239
baseline
▲ 0.50% · 4.625%
HK$185,902
+HK$10,663/mo
Deposit HK$4.02M · loan HK$36.16M · min. income ≈ HK$350,478/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,448
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$188,368
−HK$4,991/mo
Today · 4.125%
HK$193,359
baseline
▲ 0.50% · 4.625%
HK$203,551
+HK$10,192/mo
Deposit HK$4.02M · loan HK$36.16M · min. income ≈ HK$386,718/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,707,456 · Scale 2, in force from 26 Feb 2026)