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$91,568
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,416
−HK$2,894/mo
Today · 4.125%
HK$97,310
baseline
▲ 0.50% · 4.625%
HK$103,231
+HK$5,921/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$194,620/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,868
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,600
−HK$2,772/mo
Today · 4.125%
HK$107,372
baseline
▲ 0.50% · 4.625%
HK$113,032
+HK$5,660/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$214,744/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,881
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,299
−HK$3,473/mo
Today · 4.125%
HK$116,772
baseline
▲ 0.50% · 4.625%
HK$123,877
+HK$7,105/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$233,544/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,242
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,521
−HK$3,325/mo
Today · 4.125%
HK$128,846
baseline
▲ 0.50% · 4.625%
HK$135,638
+HK$6,792/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$257,692/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,195
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,183
−HK$4,051/mo
Today · 4.125%
HK$136,234
baseline
▲ 0.50% · 4.625%
HK$144,524
+HK$8,290/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$272,468/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,616
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$146,441
−HK$3,880/mo
Today · 4.125%
HK$150,321
baseline
▲ 0.50% · 4.625%
HK$158,244
+HK$7,923/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$300,642/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,822
−HK$10,336/mo
▼ 0.25% · 3.875%
HK$169,949
−HK$5,209/mo
Today · 4.125%
HK$175,158
baseline
▲ 0.50% · 4.625%
HK$185,816
+HK$10,658/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$350,316/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,363
−HK$9,907/mo
▼ 0.25% · 3.875%
HK$188,281
−HK$4,989/mo
Today · 4.125%
HK$193,270
baseline
▲ 0.50% · 4.625%
HK$203,457
+HK$10,187/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$386,540/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,666 · Scale 2, in force from 26 Feb 2026)