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$91,536
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,383
−HK$2,893/mo
Today · 4.125%
HK$97,276
baseline
▲ 0.50% · 4.625%
HK$103,195
+HK$5,919/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$194,552/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,832
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,564
−HK$2,770/mo
Today · 4.125%
HK$107,334
baseline
▲ 0.50% · 4.625%
HK$112,992
+HK$5,658/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$214,668/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,843
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,259
−HK$3,472/mo
Today · 4.125%
HK$116,731
baseline
▲ 0.50% · 4.625%
HK$123,834
+HK$7,103/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$233,462/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,199
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,476
−HK$3,325/mo
Today · 4.125%
HK$128,801
baseline
▲ 0.50% · 4.625%
HK$135,590
+HK$6,789/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$257,602/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,150
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$132,136
−HK$4,050/mo
Today · 4.125%
HK$136,186
baseline
▲ 0.50% · 4.625%
HK$144,473
+HK$8,287/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$272,372/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,565
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$146,389
−HK$3,879/mo
Today · 4.125%
HK$150,268
baseline
▲ 0.50% · 4.625%
HK$158,189
+HK$7,921/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$300,536/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,764
−HK$10,332/mo
▼ 0.25% · 3.875%
HK$169,889
−HK$5,207/mo
Today · 4.125%
HK$175,096
baseline
▲ 0.50% · 4.625%
HK$185,750
+HK$10,654/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$350,192/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,298
−HK$9,903/mo
▼ 0.25% · 3.875%
HK$188,214
−HK$4,987/mo
Today · 4.125%
HK$193,201
baseline
▲ 0.50% · 4.625%
HK$203,385
+HK$10,184/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$386,402/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,064 · Scale 2, in force from 26 Feb 2026)