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$92,170
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$95,037
−HK$2,913/mo
Today · 4.125%
HK$97,950
baseline
▲ 0.50% · 4.625%
HK$103,910
+HK$5,960/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$195,900/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,538
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$105,288
−HK$2,790/mo
Today · 4.125%
HK$108,078
baseline
▲ 0.50% · 4.625%
HK$113,775
+HK$5,697/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$216,156/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,604
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,044
−HK$3,496/mo
Today · 4.125%
HK$117,540
baseline
▲ 0.50% · 4.625%
HK$124,692
+HK$7,152/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$235,080/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,046
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,346
−HK$3,348/mo
Today · 4.125%
HK$129,694
baseline
▲ 0.50% · 4.625%
HK$136,530
+HK$6,836/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$259,388/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,038
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$133,052
−HK$4,078/mo
Today · 4.125%
HK$137,130
baseline
▲ 0.50% · 4.625%
HK$145,474
+HK$8,344/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$274,260/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,554
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$147,404
−HK$3,905/mo
Today · 4.125%
HK$151,309
baseline
▲ 0.50% · 4.625%
HK$159,285
+HK$7,976/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$302,618/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,906
−HK$10,404/mo
▼ 0.25% · 3.875%
HK$171,067
−HK$5,243/mo
Today · 4.125%
HK$176,310
baseline
▲ 0.50% · 4.625%
HK$187,038
+HK$10,728/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$352,620/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,569
−HK$9,972/mo
▼ 0.25% · 3.875%
HK$189,519
−HK$5,022/mo
Today · 4.125%
HK$194,541
baseline
▲ 0.50% · 4.625%
HK$204,795
+HK$10,254/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$389,082/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,889 · Scale 2, in force from 26 Feb 2026)