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$91,948
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$94,809
−HK$2,905/mo
Today · 4.125%
HK$97,714
baseline
▲ 0.50% · 4.625%
HK$103,660
+HK$5,946/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$195,428/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,292
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,035
−HK$2,783/mo
Today · 4.125%
HK$107,818
baseline
▲ 0.50% · 4.625%
HK$113,501
+HK$5,683/mo
Deposit HK$20.16M · loan HK$20.16M · min. income ≈ HK$215,636/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,338
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,770
−HK$3,487/mo
Today · 4.125%
HK$117,257
baseline
▲ 0.50% · 4.625%
HK$124,392
+HK$7,135/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$234,514/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,750
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,042
−HK$3,340/mo
Today · 4.125%
HK$129,382
baseline
▲ 0.50% · 4.625%
HK$136,202
+HK$6,820/mo
Deposit HK$16.13M · loan HK$24.19M · min. income ≈ HK$258,764/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,728
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,732
−HK$4,068/mo
Today · 4.125%
HK$136,800
baseline
▲ 0.50% · 4.625%
HK$145,124
+HK$8,324/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$273,600/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,208
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,049
−HK$3,896/mo
Today · 4.125%
HK$150,945
baseline
▲ 0.50% · 4.625%
HK$158,902
+HK$7,957/mo
Deposit HK$12.10M · loan HK$28.23M · min. income ≈ HK$301,890/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,507
−HK$10,379/mo
▼ 0.25% · 3.875%
HK$170,655
−HK$5,231/mo
Today · 4.125%
HK$175,886
baseline
▲ 0.50% · 4.625%
HK$186,588
+HK$10,702/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$351,772/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,125
−HK$9,948/mo
▼ 0.25% · 3.875%
HK$189,063
−HK$5,010/mo
Today · 4.125%
HK$194,073
baseline
▲ 0.50% · 4.625%
HK$204,303
+HK$10,230/mo
Deposit HK$4.03M · loan HK$36.29M · min. income ≈ HK$388,146/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,713,759 · Scale 2, in force from 26 Feb 2026)