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$92,021
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$94,883
−HK$2,908/mo
Today · 4.125%
HK$97,791
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,950/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$195,582/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,372
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,117
−HK$2,786/mo
Today · 4.125%
HK$107,903
baseline
▲ 0.50% · 4.625%
HK$113,590
+HK$5,687/mo
Deposit HK$20.18M · loan HK$20.18M · min. income ≈ HK$215,806/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,425
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,859
−HK$3,490/mo
Today · 4.125%
HK$117,349
baseline
▲ 0.50% · 4.625%
HK$124,490
+HK$7,141/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$234,698/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,846
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,141
−HK$3,342/mo
Today · 4.125%
HK$129,483
baseline
▲ 0.50% · 4.625%
HK$136,309
+HK$6,826/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$258,966/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,829
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,836
−HK$4,071/mo
Today · 4.125%
HK$136,907
baseline
▲ 0.50% · 4.625%
HK$145,238
+HK$8,331/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$273,814/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,321
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,164
−HK$3,900/mo
Today · 4.125%
HK$151,064
baseline
▲ 0.50% · 4.625%
HK$159,027
+HK$7,963/mo
Deposit HK$12.11M · loan HK$28.25M · min. income ≈ HK$302,128/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,637
−HK$10,387/mo
▼ 0.25% · 3.875%
HK$170,789
−HK$5,235/mo
Today · 4.125%
HK$176,024
baseline
▲ 0.50% · 4.625%
HK$186,735
+HK$10,711/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$352,048/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,269
−HK$9,956/mo
▼ 0.25% · 3.875%
HK$189,211
−HK$5,014/mo
Today · 4.125%
HK$194,225
baseline
▲ 0.50% · 4.625%
HK$204,463
+HK$10,238/mo
Deposit HK$4.04M · loan HK$36.32M · min. income ≈ HK$388,450/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,715,103 · Scale 2, in force from 26 Feb 2026)