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$91,616
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,465
−HK$2,896/mo
Today · 4.125%
HK$97,361
baseline
▲ 0.50% · 4.625%
HK$103,285
+HK$5,924/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$194,722/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,921
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,655
−HK$2,773/mo
Today · 4.125%
HK$107,428
baseline
▲ 0.50% · 4.625%
HK$113,091
+HK$5,663/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$214,856/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,939
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,358
−HK$3,475/mo
Today · 4.125%
HK$116,833
baseline
▲ 0.50% · 4.625%
HK$123,942
+HK$7,109/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$233,666/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,306
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,586
−HK$3,328/mo
Today · 4.125%
HK$128,914
baseline
▲ 0.50% · 4.625%
HK$135,709
+HK$6,795/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$257,828/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,262
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,252
−HK$4,053/mo
Today · 4.125%
HK$136,305
baseline
▲ 0.50% · 4.625%
HK$144,599
+HK$8,294/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$272,610/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,690
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$146,517
−HK$3,882/mo
Today · 4.125%
HK$150,399
baseline
▲ 0.50% · 4.625%
HK$158,327
+HK$7,928/mo
Deposit HK$12.05M · loan HK$28.12M · min. income ≈ HK$300,798/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,908
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$170,038
−HK$5,211/mo
Today · 4.125%
HK$175,249
baseline
▲ 0.50% · 4.625%
HK$185,913
+HK$10,664/mo
Deposit HK$4.02M · loan HK$36.16M · min. income ≈ HK$350,498/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,459
−HK$9,911/mo
▼ 0.25% · 3.875%
HK$188,379
−HK$4,991/mo
Today · 4.125%
HK$193,370
baseline
▲ 0.50% · 4.625%
HK$203,563
+HK$10,193/mo
Deposit HK$4.02M · loan HK$36.16M · min. income ≈ HK$386,740/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,707,556 · Scale 2, in force from 26 Feb 2026)