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$92,104
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,969
−HK$2,911/mo
Today · 4.125%
HK$97,880
baseline
▲ 0.50% · 4.625%
HK$103,835
+HK$5,955/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$195,760/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,465
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,213
−HK$2,787/mo
Today · 4.125%
HK$108,000
baseline
▲ 0.50% · 4.625%
HK$113,693
+HK$5,693/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$216,000/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,525
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,963
−HK$3,492/mo
Today · 4.125%
HK$117,455
baseline
▲ 0.50% · 4.625%
HK$124,602
+HK$7,147/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$234,910/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,957
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,255
−HK$3,345/mo
Today · 4.125%
HK$129,600
baseline
▲ 0.50% · 4.625%
HK$136,432
+HK$6,832/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$259,200/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,945
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$132,956
−HK$4,075/mo
Today · 4.125%
HK$137,031
baseline
▲ 0.50% · 4.625%
HK$145,369
+HK$8,338/mo
Deposit HK$12.12M · loan HK$28.27M · min. income ≈ HK$274,062/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,450
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$147,298
−HK$3,903/mo
Today · 4.125%
HK$151,201
baseline
▲ 0.50% · 4.625%
HK$159,171
+HK$7,970/mo
Deposit HK$12.12M · loan HK$28.27M · min. income ≈ HK$302,402/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,787
−HK$10,396/mo
▼ 0.25% · 3.875%
HK$170,944
−HK$5,239/mo
Today · 4.125%
HK$176,183
baseline
▲ 0.50% · 4.625%
HK$186,903
+HK$10,720/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$352,366/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,436
−HK$9,965/mo
▼ 0.25% · 3.875%
HK$189,383
−HK$5,018/mo
Today · 4.125%
HK$194,401
baseline
▲ 0.50% · 4.625%
HK$204,648
+HK$10,247/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$388,802/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,655 · Scale 2, in force from 26 Feb 2026)