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$91,890
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,748
−HK$2,904/mo
Today · 4.125%
HK$97,652
baseline
▲ 0.50% · 4.625%
HK$103,594
+HK$5,942/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$195,304/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,226
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,968
−HK$2,781/mo
Today · 4.125%
HK$107,749
baseline
▲ 0.50% · 4.625%
HK$113,429
+HK$5,680/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$215,498/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,268
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,698
−HK$3,484/mo
Today · 4.125%
HK$117,182
baseline
▲ 0.50% · 4.625%
HK$124,313
+HK$7,131/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$234,364/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,672
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,962
−HK$3,337/mo
Today · 4.125%
HK$129,299
baseline
▲ 0.50% · 4.625%
HK$136,115
+HK$6,816/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$258,598/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,646
−HK$8,067/mo
▼ 0.25% · 3.875%
HK$132,647
−HK$4,066/mo
Today · 4.125%
HK$136,713
baseline
▲ 0.50% · 4.625%
HK$145,031
+HK$8,318/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$273,426/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,117
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$146,955
−HK$3,894/mo
Today · 4.125%
HK$150,849
baseline
▲ 0.50% · 4.625%
HK$158,801
+HK$7,952/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$301,698/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,401
−HK$10,373/mo
▼ 0.25% · 3.875%
HK$170,546
−HK$5,228/mo
Today · 4.125%
HK$175,774
baseline
▲ 0.50% · 4.625%
HK$186,469
+HK$10,695/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$351,548/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,007
−HK$9,942/mo
▼ 0.25% · 3.875%
HK$188,942
−HK$5,007/mo
Today · 4.125%
HK$193,949
baseline
▲ 0.50% · 4.625%
HK$204,172
+HK$10,223/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$387,898/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,664 · Scale 2, in force from 26 Feb 2026)