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$92,109
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$94,974
−HK$2,911/mo
Today · 4.125%
HK$97,885
baseline
▲ 0.50% · 4.625%
HK$103,841
+HK$5,956/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$195,770/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,470
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$105,219
−HK$2,787/mo
Today · 4.125%
HK$108,006
baseline
▲ 0.50% · 4.625%
HK$113,700
+HK$5,694/mo
Deposit HK$20.20M · loan HK$20.20M · min. income ≈ HK$216,012/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,531
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,969
−HK$3,493/mo
Today · 4.125%
HK$117,462
baseline
▲ 0.50% · 4.625%
HK$124,609
+HK$7,147/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$234,924/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,964
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,262
−HK$3,346/mo
Today · 4.125%
HK$129,608
baseline
▲ 0.50% · 4.625%
HK$136,440
+HK$6,832/mo
Deposit HK$16.16M · loan HK$24.24M · min. income ≈ HK$259,216/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,953
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$132,964
−HK$4,075/mo
Today · 4.125%
HK$137,039
baseline
▲ 0.50% · 4.625%
HK$145,378
+HK$8,339/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$274,078/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,458
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$147,306
−HK$3,903/mo
Today · 4.125%
HK$151,209
baseline
▲ 0.50% · 4.625%
HK$159,179
+HK$7,970/mo
Deposit HK$12.12M · loan HK$28.28M · min. income ≈ HK$302,418/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,796
−HK$10,397/mo
▼ 0.25% · 3.875%
HK$170,953
−HK$5,240/mo
Today · 4.125%
HK$176,193
baseline
▲ 0.50% · 4.625%
HK$186,914
+HK$10,721/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$352,386/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,447
−HK$9,965/mo
▼ 0.25% · 3.875%
HK$189,393
−HK$5,019/mo
Today · 4.125%
HK$194,412
baseline
▲ 0.50% · 4.625%
HK$204,659
+HK$10,247/mo
Deposit HK$4.04M · loan HK$36.35M · min. income ≈ HK$388,824/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,716,751 · Scale 2, in force from 26 Feb 2026)