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$92,163
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,030
−HK$2,913/mo
Today · 4.125%
HK$97,943
baseline
▲ 0.50% · 4.625%
HK$103,902
+HK$5,959/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$195,886/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,531
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,280
−HK$2,790/mo
Today · 4.125%
HK$108,070
baseline
▲ 0.50% · 4.625%
HK$113,767
+HK$5,697/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$216,140/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,596
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,036
−HK$3,495/mo
Today · 4.125%
HK$117,531
baseline
▲ 0.50% · 4.625%
HK$124,683
+HK$7,152/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$235,062/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,037
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,336
−HK$3,348/mo
Today · 4.125%
HK$129,684
baseline
▲ 0.50% · 4.625%
HK$136,520
+HK$6,836/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$259,368/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,028
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$133,042
−HK$4,078/mo
Today · 4.125%
HK$137,120
baseline
▲ 0.50% · 4.625%
HK$145,463
+HK$8,343/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$274,240/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,543
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,393
−HK$3,905/mo
Today · 4.125%
HK$151,298
baseline
▲ 0.50% · 4.625%
HK$159,273
+HK$7,975/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$302,596/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,894
−HK$10,403/mo
▼ 0.25% · 3.875%
HK$171,054
−HK$5,243/mo
Today · 4.125%
HK$176,297
baseline
▲ 0.50% · 4.625%
HK$187,024
+HK$10,727/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$352,594/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,555
−HK$9,971/mo
▼ 0.25% · 3.875%
HK$189,505
−HK$5,021/mo
Today · 4.125%
HK$194,526
baseline
▲ 0.50% · 4.625%
HK$204,780
+HK$10,254/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$389,052/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,761 · Scale 2, in force from 26 Feb 2026)