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$92,424
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$95,298
−HK$2,921/mo
Today · 4.125%
HK$98,219
baseline
▲ 0.50% · 4.625%
HK$104,196
+HK$5,977/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$196,438/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,820
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$105,578
−HK$2,797/mo
Today · 4.125%
HK$108,375
baseline
▲ 0.50% · 4.625%
HK$114,088
+HK$5,713/mo
Deposit HK$20.27M · loan HK$20.27M · min. income ≈ HK$216,750/mo (50% DSR)
Upfront cash ≈ HK$21.99M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,908
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,358
−HK$3,505/mo
Today · 4.125%
HK$117,863
baseline
▲ 0.50% · 4.625%
HK$125,035
+HK$7,172/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$235,726/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,384
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,693
−HK$3,357/mo
Today · 4.125%
HK$130,050
baseline
▲ 0.50% · 4.625%
HK$136,906
+HK$6,856/mo
Deposit HK$16.21M · loan HK$24.32M · min. income ≈ HK$260,100/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,393
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,418
−HK$4,089/mo
Today · 4.125%
HK$137,507
baseline
▲ 0.50% · 4.625%
HK$145,874
+HK$8,367/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$275,014/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,948
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,809
−HK$3,917/mo
Today · 4.125%
HK$151,726
baseline
▲ 0.50% · 4.625%
HK$159,723
+HK$7,997/mo
Deposit HK$12.16M · loan HK$28.37M · min. income ≈ HK$303,452/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,362
−HK$10,433/mo
▼ 0.25% · 3.875%
HK$171,537
−HK$5,258/mo
Today · 4.125%
HK$176,795
baseline
▲ 0.50% · 4.625%
HK$187,552
+HK$10,757/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$353,590/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,077
−HK$9,999/mo
▼ 0.25% · 3.875%
HK$190,040
−HK$5,036/mo
Today · 4.125%
HK$195,076
baseline
▲ 0.50% · 4.625%
HK$205,358
+HK$10,282/mo
Deposit HK$4.05M · loan HK$36.48M · min. income ≈ HK$390,152/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,722,615 · Scale 2, in force from 26 Feb 2026)