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$92,010
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,872
−HK$2,908/mo
Today · 4.125%
HK$97,780
baseline
▲ 0.50% · 4.625%
HK$103,730
+HK$5,950/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,560/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,360
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,106
−HK$2,785/mo
Today · 4.125%
HK$107,891
baseline
▲ 0.50% · 4.625%
HK$113,578
+HK$5,687/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,782/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,412
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,847
−HK$3,489/mo
Today · 4.125%
HK$117,336
baseline
▲ 0.50% · 4.625%
HK$124,476
+HK$7,140/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$234,672/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,832
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,127
−HK$3,342/mo
Today · 4.125%
HK$129,469
baseline
▲ 0.50% · 4.625%
HK$136,293
+HK$6,824/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$258,938/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,814
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,821
−HK$4,071/mo
Today · 4.125%
HK$136,892
baseline
▲ 0.50% · 4.625%
HK$145,222
+HK$8,330/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$273,784/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,305
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,148
−HK$3,899/mo
Today · 4.125%
HK$151,047
baseline
▲ 0.50% · 4.625%
HK$159,009
+HK$7,962/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$302,094/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,618
−HK$10,386/mo
▼ 0.25% · 3.875%
HK$170,770
−HK$5,234/mo
Today · 4.125%
HK$176,004
baseline
▲ 0.50% · 4.625%
HK$186,713
+HK$10,709/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$352,008/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,249
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$189,190
−HK$5,013/mo
Today · 4.125%
HK$194,203
baseline
▲ 0.50% · 4.625%
HK$204,440
+HK$10,237/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$388,406/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,910 · Scale 2, in force from 26 Feb 2026)