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$91,570
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,418
−HK$2,894/mo
Today · 4.125%
HK$97,312
baseline
▲ 0.50% · 4.625%
HK$103,233
+HK$5,921/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$194,624/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,870
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,602
−HK$2,772/mo
Today · 4.125%
HK$107,374
baseline
▲ 0.50% · 4.625%
HK$113,034
+HK$5,660/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$214,748/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,884
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,302
−HK$3,472/mo
Today · 4.125%
HK$116,774
baseline
▲ 0.50% · 4.625%
HK$123,880
+HK$7,106/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$233,548/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,244
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$125,523
−HK$3,326/mo
Today · 4.125%
HK$128,849
baseline
▲ 0.50% · 4.625%
HK$135,641
+HK$6,792/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$257,698/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,198
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$132,185
−HK$4,052/mo
Today · 4.125%
HK$136,237
baseline
▲ 0.50% · 4.625%
HK$144,526
+HK$8,289/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$272,474/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,618
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,443
−HK$3,881/mo
Today · 4.125%
HK$150,324
baseline
▲ 0.50% · 4.625%
HK$158,247
+HK$7,923/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$300,648/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,825
−HK$10,336/mo
▼ 0.25% · 3.875%
HK$169,952
−HK$5,209/mo
Today · 4.125%
HK$175,161
baseline
▲ 0.50% · 4.625%
HK$185,820
+HK$10,659/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$350,322/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,367
−HK$9,906/mo
▼ 0.25% · 3.875%
HK$188,284
−HK$4,989/mo
Today · 4.125%
HK$193,273
baseline
▲ 0.50% · 4.625%
HK$203,461
+HK$10,188/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$386,546/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,699 · Scale 2, in force from 26 Feb 2026)