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$91,414
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,258
−HK$2,889/mo
Today · 4.125%
HK$97,147
baseline
▲ 0.50% · 4.625%
HK$103,058
+HK$5,911/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,294/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,697
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,425
−HK$2,767/mo
Today · 4.125%
HK$107,192
baseline
▲ 0.50% · 4.625%
HK$112,842
+HK$5,650/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,384/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,697
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,109
−HK$3,467/mo
Today · 4.125%
HK$116,576
baseline
▲ 0.50% · 4.625%
HK$123,669
+HK$7,093/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$233,152/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,037
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,310
−HK$3,320/mo
Today · 4.125%
HK$128,630
baseline
▲ 0.50% · 4.625%
HK$135,410
+HK$6,780/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$257,260/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,980
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,961
−HK$4,044/mo
Today · 4.125%
HK$136,005
baseline
▲ 0.50% · 4.625%
HK$144,281
+HK$8,276/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$272,010/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,376
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,195
−HK$3,873/mo
Today · 4.125%
HK$150,068
baseline
▲ 0.50% · 4.625%
HK$157,979
+HK$7,911/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,136/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,545
−HK$10,319/mo
▼ 0.25% · 3.875%
HK$169,664
−HK$5,200/mo
Today · 4.125%
HK$174,864
baseline
▲ 0.50% · 4.625%
HK$185,504
+HK$10,640/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,728/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,055
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$187,965
−HK$4,980/mo
Today · 4.125%
HK$192,945
baseline
▲ 0.50% · 4.625%
HK$203,115
+HK$10,170/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,890/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,801 · Scale 2, in force from 26 Feb 2026)