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$91,567
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,415
−HK$2,894/mo
Today · 4.125%
HK$97,309
baseline
▲ 0.50% · 4.625%
HK$103,230
+HK$5,921/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$194,618/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,867
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,599
−HK$2,772/mo
Today · 4.125%
HK$107,371
baseline
▲ 0.50% · 4.625%
HK$113,030
+HK$5,659/mo
Deposit HK$20.08M · loan HK$20.08M · min. income ≈ HK$214,742/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,880
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,298
−HK$3,473/mo
Today · 4.125%
HK$116,771
baseline
▲ 0.50% · 4.625%
HK$123,876
+HK$7,105/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$233,542/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,241
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,519
−HK$3,326/mo
Today · 4.125%
HK$128,845
baseline
▲ 0.50% · 4.625%
HK$135,637
+HK$6,792/mo
Deposit HK$16.06M · loan HK$24.09M · min. income ≈ HK$257,690/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,194
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,181
−HK$4,051/mo
Today · 4.125%
HK$136,232
baseline
▲ 0.50% · 4.625%
HK$144,522
+HK$8,290/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$272,464/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,614
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$146,439
−HK$3,880/mo
Today · 4.125%
HK$150,319
baseline
▲ 0.50% · 4.625%
HK$158,243
+HK$7,924/mo
Deposit HK$12.05M · loan HK$28.11M · min. income ≈ HK$300,638/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,820
−HK$10,336/mo
▼ 0.25% · 3.875%
HK$169,947
−HK$5,209/mo
Today · 4.125%
HK$175,156
baseline
▲ 0.50% · 4.625%
HK$185,814
+HK$10,658/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$350,312/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,361
−HK$9,906/mo
▼ 0.25% · 3.875%
HK$188,279
−HK$4,988/mo
Today · 4.125%
HK$193,267
baseline
▲ 0.50% · 4.625%
HK$203,455
+HK$10,188/mo
Deposit HK$4.02M · loan HK$36.14M · min. income ≈ HK$386,534/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,706,647 · Scale 2, in force from 26 Feb 2026)