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$92,028
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,890
−HK$2,909/mo
Today · 4.125%
HK$97,799
baseline
▲ 0.50% · 4.625%
HK$103,750
+HK$5,951/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,598/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,380
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,126
−HK$2,785/mo
Today · 4.125%
HK$107,911
baseline
▲ 0.50% · 4.625%
HK$113,600
+HK$5,689/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,822/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,433
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,869
−HK$3,490/mo
Today · 4.125%
HK$117,359
baseline
▲ 0.50% · 4.625%
HK$124,500
+HK$7,141/mo
Deposit HK$16.14M · loan HK$24.22M · min. income ≈ HK$234,718/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,856
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,151
−HK$3,343/mo
Today · 4.125%
HK$129,494
baseline
▲ 0.50% · 4.625%
HK$136,319
+HK$6,825/mo
Deposit HK$16.14M · loan HK$24.22M · min. income ≈ HK$258,988/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,839
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$132,847
−HK$4,071/mo
Today · 4.125%
HK$136,918
baseline
▲ 0.50% · 4.625%
HK$145,250
+HK$8,332/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$273,836/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,332
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$147,176
−HK$3,900/mo
Today · 4.125%
HK$151,076
baseline
▲ 0.50% · 4.625%
HK$159,039
+HK$7,963/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$302,152/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,650
−HK$10,388/mo
▼ 0.25% · 3.875%
HK$170,803
−HK$5,235/mo
Today · 4.125%
HK$176,038
baseline
▲ 0.50% · 4.625%
HK$186,749
+HK$10,711/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$352,076/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,284
−HK$9,956/mo
▼ 0.25% · 3.875%
HK$189,227
−HK$5,013/mo
Today · 4.125%
HK$194,240
baseline
▲ 0.50% · 4.625%
HK$204,479
+HK$10,239/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$388,480/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,240 · Scale 2, in force from 26 Feb 2026)