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$91,713
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,566
−HK$2,899/mo
Today · 4.125%
HK$97,465
baseline
▲ 0.50% · 4.625%
HK$103,395
+HK$5,930/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$194,930/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,030
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,766
−HK$2,776/mo
Today · 4.125%
HK$107,542
baseline
▲ 0.50% · 4.625%
HK$113,211
+HK$5,669/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$215,084/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,056
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,479
−HK$3,478/mo
Today · 4.125%
HK$116,957
baseline
▲ 0.50% · 4.625%
HK$124,074
+HK$7,117/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$233,914/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,436
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,720
−HK$3,331/mo
Today · 4.125%
HK$129,051
baseline
▲ 0.50% · 4.625%
HK$135,853
+HK$6,802/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$258,102/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,399
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$132,393
−HK$4,057/mo
Today · 4.125%
HK$136,450
baseline
▲ 0.50% · 4.625%
HK$144,753
+HK$8,303/mo
Deposit HK$12.07M · loan HK$28.15M · min. income ≈ HK$272,900/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,842
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$146,673
−HK$3,886/mo
Today · 4.125%
HK$150,559
baseline
▲ 0.50% · 4.625%
HK$158,496
+HK$7,937/mo
Deposit HK$12.07M · loan HK$28.15M · min. income ≈ HK$301,118/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,084
−HK$10,352/mo
▼ 0.25% · 3.875%
HK$170,219
−HK$5,217/mo
Today · 4.125%
HK$175,436
baseline
▲ 0.50% · 4.625%
HK$186,111
+HK$10,675/mo
Deposit HK$4.02M · loan HK$36.20M · min. income ≈ HK$350,872/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,654
−HK$9,922/mo
▼ 0.25% · 3.875%
HK$188,580
−HK$4,996/mo
Today · 4.125%
HK$193,576
baseline
▲ 0.50% · 4.625%
HK$203,780
+HK$10,204/mo
Deposit HK$4.02M · loan HK$36.20M · min. income ≈ HK$387,152/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,376 · Scale 2, in force from 26 Feb 2026)