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$91,683
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,535
−HK$2,898/mo
Today · 4.125%
HK$97,433
baseline
▲ 0.50% · 4.625%
HK$103,361
+HK$5,928/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$194,866/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,997
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,732
−HK$2,775/mo
Today · 4.125%
HK$107,507
baseline
▲ 0.50% · 4.625%
HK$113,174
+HK$5,667/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$215,014/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,020
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,442
−HK$3,477/mo
Today · 4.125%
HK$116,919
baseline
▲ 0.50% · 4.625%
HK$124,034
+HK$7,115/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$233,838/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,396
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,679
−HK$3,330/mo
Today · 4.125%
HK$129,009
baseline
▲ 0.50% · 4.625%
HK$135,809
+HK$6,800/mo
Deposit HK$16.08M · loan HK$24.12M · min. income ≈ HK$258,018/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,357
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,349
−HK$4,057/mo
Today · 4.125%
HK$136,406
baseline
▲ 0.50% · 4.625%
HK$144,706
+HK$8,300/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$272,812/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,796
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$146,625
−HK$3,885/mo
Today · 4.125%
HK$150,510
baseline
▲ 0.50% · 4.625%
HK$158,444
+HK$7,934/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$301,020/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,030
−HK$10,349/mo
▼ 0.25% · 3.875%
HK$170,164
−HK$5,215/mo
Today · 4.125%
HK$175,379
baseline
▲ 0.50% · 4.625%
HK$186,050
+HK$10,671/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$350,758/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,594
−HK$9,919/mo
▼ 0.25% · 3.875%
HK$188,518
−HK$4,995/mo
Today · 4.125%
HK$193,513
baseline
▲ 0.50% · 4.625%
HK$203,714
+HK$10,201/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$387,026/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,819 · Scale 2, in force from 26 Feb 2026)