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$91,986
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,847
−HK$2,907/mo
Today · 4.125%
HK$97,754
baseline
▲ 0.50% · 4.625%
HK$103,702
+HK$5,948/mo
Deposit HK$20.17M · loan HK$20.17M · min. income ≈ HK$195,508/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,333
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,078
−HK$2,784/mo
Today · 4.125%
HK$107,862
baseline
▲ 0.50% · 4.625%
HK$113,548
+HK$5,686/mo
Deposit HK$20.17M · loan HK$20.17M · min. income ≈ HK$215,724/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,383
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,817
−HK$3,488/mo
Today · 4.125%
HK$117,305
baseline
▲ 0.50% · 4.625%
HK$124,443
+HK$7,138/mo
Deposit HK$16.14M · loan HK$24.20M · min. income ≈ HK$234,610/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,800
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,094
−HK$3,341/mo
Today · 4.125%
HK$129,435
baseline
▲ 0.50% · 4.625%
HK$136,257
+HK$6,822/mo
Deposit HK$16.14M · loan HK$24.20M · min. income ≈ HK$258,870/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,780
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$132,786
−HK$4,070/mo
Today · 4.125%
HK$136,856
baseline
▲ 0.50% · 4.625%
HK$145,183
+HK$8,327/mo
Deposit HK$12.10M · loan HK$28.24M · min. income ≈ HK$273,712/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,267
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,109
−HK$3,898/mo
Today · 4.125%
HK$151,007
baseline
▲ 0.50% · 4.625%
HK$158,967
+HK$7,960/mo
Deposit HK$12.10M · loan HK$28.24M · min. income ≈ HK$302,014/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,575
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$170,725
−HK$5,233/mo
Today · 4.125%
HK$175,958
baseline
▲ 0.50% · 4.625%
HK$186,664
+HK$10,706/mo
Deposit HK$4.03M · loan HK$36.31M · min. income ≈ HK$351,916/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,200
−HK$9,952/mo
▼ 0.25% · 3.875%
HK$189,140
−HK$5,012/mo
Today · 4.125%
HK$194,152
baseline
▲ 0.50% · 4.625%
HK$204,386
+HK$10,234/mo
Deposit HK$4.03M · loan HK$36.31M · min. income ≈ HK$388,304/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,458 · Scale 2, in force from 26 Feb 2026)