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$91,501
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,347
−HK$2,892/mo
Today · 4.125%
HK$97,239
baseline
▲ 0.50% · 4.625%
HK$103,156
+HK$5,917/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$194,478/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,794
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,524
−HK$2,770/mo
Today · 4.125%
HK$107,294
baseline
▲ 0.50% · 4.625%
HK$112,949
+HK$5,655/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$214,588/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,801
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,217
−HK$3,470/mo
Today · 4.125%
HK$116,687
baseline
▲ 0.50% · 4.625%
HK$123,787
+HK$7,100/mo
Deposit HK$16.05M · loan HK$24.08M · min. income ≈ HK$233,374/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,153
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,429
−HK$3,323/mo
Today · 4.125%
HK$128,752
baseline
▲ 0.50% · 4.625%
HK$135,539
+HK$6,787/mo
Deposit HK$16.05M · loan HK$24.08M · min. income ≈ HK$257,504/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,102
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,086
−HK$4,049/mo
Today · 4.125%
HK$136,135
baseline
▲ 0.50% · 4.625%
HK$144,418
+HK$8,283/mo
Deposit HK$12.04M · loan HK$28.09M · min. income ≈ HK$272,270/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,512
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$146,334
−HK$3,877/mo
Today · 4.125%
HK$150,211
baseline
▲ 0.50% · 4.625%
HK$158,129
+HK$7,918/mo
Deposit HK$12.04M · loan HK$28.09M · min. income ≈ HK$300,422/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,702
−HK$10,328/mo
▼ 0.25% · 3.875%
HK$169,825
−HK$5,205/mo
Today · 4.125%
HK$175,030
baseline
▲ 0.50% · 4.625%
HK$185,680
+HK$10,650/mo
Deposit HK$4.01M · loan HK$36.11M · min. income ≈ HK$350,060/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,229
−HK$9,900/mo
▼ 0.25% · 3.875%
HK$188,143
−HK$4,986/mo
Today · 4.125%
HK$193,129
baseline
▲ 0.50% · 4.625%
HK$203,309
+HK$10,180/mo
Deposit HK$4.01M · loan HK$36.11M · min. income ≈ HK$386,258/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,421 · Scale 2, in force from 26 Feb 2026)