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$91,991
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$94,852
−HK$2,907/mo
Today · 4.125%
HK$97,759
baseline
▲ 0.50% · 4.625%
HK$103,708
+HK$5,949/mo
Deposit HK$20.17M · loan HK$20.17M · min. income ≈ HK$195,518/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,339
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,083
−HK$2,785/mo
Today · 4.125%
HK$107,868
baseline
▲ 0.50% · 4.625%
HK$113,553
+HK$5,685/mo
Deposit HK$20.17M · loan HK$20.17M · min. income ≈ HK$215,736/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,389
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,822
−HK$3,489/mo
Today · 4.125%
HK$117,311
baseline
▲ 0.50% · 4.625%
HK$124,449
+HK$7,138/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$234,622/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,806
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,100
−HK$3,341/mo
Today · 4.125%
HK$129,441
baseline
▲ 0.50% · 4.625%
HK$136,264
+HK$6,823/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$258,882/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,787
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$132,793
−HK$4,070/mo
Today · 4.125%
HK$136,863
baseline
▲ 0.50% · 4.625%
HK$145,191
+HK$8,328/mo
Deposit HK$12.10M · loan HK$28.24M · min. income ≈ HK$273,726/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,274
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,117
−HK$3,898/mo
Today · 4.125%
HK$151,015
baseline
▲ 0.50% · 4.625%
HK$158,975
+HK$7,960/mo
Deposit HK$12.10M · loan HK$28.24M · min. income ≈ HK$302,030/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,583
−HK$10,384/mo
▼ 0.25% · 3.875%
HK$170,734
−HK$5,233/mo
Today · 4.125%
HK$175,967
baseline
▲ 0.50% · 4.625%
HK$186,674
+HK$10,707/mo
Deposit HK$4.03M · loan HK$36.31M · min. income ≈ HK$351,934/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,209
−HK$9,953/mo
▼ 0.25% · 3.875%
HK$189,150
−HK$5,012/mo
Today · 4.125%
HK$194,162
baseline
▲ 0.50% · 4.625%
HK$204,396
+HK$10,234/mo
Deposit HK$4.03M · loan HK$36.31M · min. income ≈ HK$388,324/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,544 · Scale 2, in force from 26 Feb 2026)