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$91,533
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,380
−HK$2,892/mo
Today · 4.125%
HK$97,272
baseline
▲ 0.50% · 4.625%
HK$103,191
+HK$5,919/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$194,544/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,829
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,560
−HK$2,771/mo
Today · 4.125%
HK$107,331
baseline
▲ 0.50% · 4.625%
HK$112,988
+HK$5,657/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$214,662/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,839
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,256
−HK$3,471/mo
Today · 4.125%
HK$116,727
baseline
▲ 0.50% · 4.625%
HK$123,830
+HK$7,103/mo
Deposit HK$16.06M · loan HK$24.08M · min. income ≈ HK$233,454/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,195
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,472
−HK$3,325/mo
Today · 4.125%
HK$128,797
baseline
▲ 0.50% · 4.625%
HK$135,586
+HK$6,789/mo
Deposit HK$16.06M · loan HK$24.08M · min. income ≈ HK$257,594/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,146
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$132,132
−HK$4,049/mo
Today · 4.125%
HK$136,181
baseline
▲ 0.50% · 4.625%
HK$144,468
+HK$8,287/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$272,362/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,561
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$146,384
−HK$3,879/mo
Today · 4.125%
HK$150,263
baseline
▲ 0.50% · 4.625%
HK$158,183
+HK$7,920/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$300,526/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,759
−HK$10,331/mo
▼ 0.25% · 3.875%
HK$169,884
−HK$5,206/mo
Today · 4.125%
HK$175,090
baseline
▲ 0.50% · 4.625%
HK$185,744
+HK$10,654/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$350,180/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,292
−HK$9,903/mo
▼ 0.25% · 3.875%
HK$188,208
−HK$4,987/mo
Today · 4.125%
HK$193,195
baseline
▲ 0.50% · 4.625%
HK$203,379
+HK$10,184/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$386,390/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,008 · Scale 2, in force from 26 Feb 2026)