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$92,084
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,949
−HK$2,910/mo
Today · 4.125%
HK$97,859
baseline
▲ 0.50% · 4.625%
HK$103,813
+HK$5,954/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$195,718/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,443
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$105,190
−HK$2,787/mo
Today · 4.125%
HK$107,977
baseline
▲ 0.50% · 4.625%
HK$113,669
+HK$5,692/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$215,954/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,501
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,938
−HK$3,492/mo
Today · 4.125%
HK$117,430
baseline
▲ 0.50% · 4.625%
HK$124,576
+HK$7,146/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$234,860/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,931
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,228
−HK$3,345/mo
Today · 4.125%
HK$129,573
baseline
▲ 0.50% · 4.625%
HK$136,403
+HK$6,830/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$259,146/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,918
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$132,928
−HK$4,074/mo
Today · 4.125%
HK$137,002
baseline
▲ 0.50% · 4.625%
HK$145,339
+HK$8,337/mo
Deposit HK$12.11M · loan HK$28.27M · min. income ≈ HK$274,004/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,420
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$147,266
−HK$3,902/mo
Today · 4.125%
HK$151,168
baseline
▲ 0.50% · 4.625%
HK$159,137
+HK$7,969/mo
Deposit HK$12.11M · loan HK$28.27M · min. income ≈ HK$302,336/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,752
−HK$10,394/mo
▼ 0.25% · 3.875%
HK$170,907
−HK$5,239/mo
Today · 4.125%
HK$176,146
baseline
▲ 0.50% · 4.625%
HK$186,864
+HK$10,718/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$352,292/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,397
−HK$9,962/mo
▼ 0.25% · 3.875%
HK$189,342
−HK$5,017/mo
Today · 4.125%
HK$194,359
baseline
▲ 0.50% · 4.625%
HK$204,604
+HK$10,245/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$388,718/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,290 · Scale 2, in force from 26 Feb 2026)