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$91,525
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,372
−HK$2,892/mo
Today · 4.125%
HK$97,264
baseline
▲ 0.50% · 4.625%
HK$103,183
+HK$5,919/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$194,528/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,820
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,551
−HK$2,770/mo
Today · 4.125%
HK$107,321
baseline
▲ 0.50% · 4.625%
HK$112,979
+HK$5,658/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$214,642/mo (50% DSR)
Upfront cash ≈ HK$21.77M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,830
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,246
−HK$3,471/mo
Today · 4.125%
HK$116,717
baseline
▲ 0.50% · 4.625%
HK$123,819
+HK$7,102/mo
Deposit HK$16.06M · loan HK$24.08M · min. income ≈ HK$233,434/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,185
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,461
−HK$3,325/mo
Today · 4.125%
HK$128,786
baseline
▲ 0.50% · 4.625%
HK$135,574
+HK$6,788/mo
Deposit HK$16.06M · loan HK$24.08M · min. income ≈ HK$257,572/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,135
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$132,120
−HK$4,050/mo
Today · 4.125%
HK$136,170
baseline
▲ 0.50% · 4.625%
HK$144,456
+HK$8,286/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$272,340/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,549
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$146,372
−HK$3,878/mo
Today · 4.125%
HK$150,250
baseline
▲ 0.50% · 4.625%
HK$158,170
+HK$7,920/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$300,500/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,745
−HK$10,331/mo
▼ 0.25% · 3.875%
HK$169,869
−HK$5,207/mo
Today · 4.125%
HK$175,076
baseline
▲ 0.50% · 4.625%
HK$185,729
+HK$10,653/mo
Deposit HK$4.01M · loan HK$36.12M · min. income ≈ HK$350,152/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,277
−HK$9,902/mo
▼ 0.25% · 3.875%
HK$188,192
−HK$4,987/mo
Today · 4.125%
HK$193,179
baseline
▲ 0.50% · 4.625%
HK$203,361
+HK$10,182/mo
Deposit HK$4.01M · loan HK$36.12M · min. income ≈ HK$386,358/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,863 · Scale 2, in force from 26 Feb 2026)