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$91,782
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,637
−HK$2,900/mo
Today · 4.125%
HK$97,537
baseline
▲ 0.50% · 4.625%
HK$103,472
+HK$5,935/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$195,074/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,106
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,845
−HK$2,778/mo
Today · 4.125%
HK$107,623
baseline
▲ 0.50% · 4.625%
HK$113,296
+HK$5,673/mo
Deposit HK$20.13M · loan HK$20.13M · min. income ≈ HK$215,246/mo (50% DSR)
Upfront cash ≈ HK$21.84M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,138
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,564
−HK$3,481/mo
Today · 4.125%
HK$117,045
baseline
▲ 0.50% · 4.625%
HK$124,167
+HK$7,122/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$234,090/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,528
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,814
−HK$3,333/mo
Today · 4.125%
HK$129,147
baseline
▲ 0.50% · 4.625%
HK$135,955
+HK$6,808/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$258,294/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,495
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,491
−HK$4,061/mo
Today · 4.125%
HK$136,552
baseline
▲ 0.50% · 4.625%
HK$144,861
+HK$8,309/mo
Deposit HK$12.08M · loan HK$28.18M · min. income ≈ HK$273,104/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,949
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$146,783
−HK$3,889/mo
Today · 4.125%
HK$150,672
baseline
▲ 0.50% · 4.625%
HK$158,614
+HK$7,942/mo
Deposit HK$12.08M · loan HK$28.18M · min. income ≈ HK$301,344/mo (50% DSR)
Upfront cash ≈ HK$13.79M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,207
−HK$10,360/mo
▼ 0.25% · 3.875%
HK$170,346
−HK$5,221/mo
Today · 4.125%
HK$175,567
baseline
▲ 0.50% · 4.625%
HK$186,250
+HK$10,683/mo
Deposit HK$4.03M · loan HK$36.23M · min. income ≈ HK$351,134/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,791
−HK$9,930/mo
▼ 0.25% · 3.875%
HK$188,721
−HK$5,000/mo
Today · 4.125%
HK$193,721
baseline
▲ 0.50% · 4.625%
HK$203,932
+HK$10,211/mo
Deposit HK$4.03M · loan HK$36.23M · min. income ≈ HK$387,442/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,653 · Scale 2, in force from 26 Feb 2026)