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$92,054
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$94,917
−HK$2,909/mo
Today · 4.125%
HK$97,826
baseline
▲ 0.50% · 4.625%
HK$103,779
+HK$5,953/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,652/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,409
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,156
−HK$2,786/mo
Today · 4.125%
HK$107,942
baseline
▲ 0.50% · 4.625%
HK$113,632
+HK$5,690/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,884/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,465
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,901
−HK$3,491/mo
Today · 4.125%
HK$117,392
baseline
▲ 0.50% · 4.625%
HK$124,535
+HK$7,143/mo
Deposit HK$16.15M · loan HK$24.22M · min. income ≈ HK$234,784/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,891
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,187
−HK$3,343/mo
Today · 4.125%
HK$129,530
baseline
▲ 0.50% · 4.625%
HK$136,358
+HK$6,828/mo
Deposit HK$16.15M · loan HK$24.22M · min. income ≈ HK$259,060/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,875
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$132,884
−HK$4,073/mo
Today · 4.125%
HK$136,957
baseline
▲ 0.50% · 4.625%
HK$145,291
+HK$8,334/mo
Deposit HK$12.11M · loan HK$28.26M · min. income ≈ HK$273,914/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,373
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$147,218
−HK$3,901/mo
Today · 4.125%
HK$151,119
baseline
▲ 0.50% · 4.625%
HK$159,084
+HK$7,965/mo
Deposit HK$12.11M · loan HK$28.26M · min. income ≈ HK$302,238/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,697
−HK$10,391/mo
▼ 0.25% · 3.875%
HK$170,851
−HK$5,237/mo
Today · 4.125%
HK$176,088
baseline
▲ 0.50% · 4.625%
HK$186,802
+HK$10,714/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$352,176/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,336
−HK$9,959/mo
▼ 0.25% · 3.875%
HK$189,280
−HK$5,015/mo
Today · 4.125%
HK$194,295
baseline
▲ 0.50% · 4.625%
HK$204,537
+HK$10,242/mo
Deposit HK$4.04M · loan HK$36.33M · min. income ≈ HK$388,590/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,724 · Scale 2, in force from 26 Feb 2026)