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$92,005
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$94,867
−HK$2,907/mo
Today · 4.125%
HK$97,774
baseline
▲ 0.50% · 4.625%
HK$103,724
+HK$5,950/mo
Deposit HK$20.17M · loan HK$20.17M · min. income ≈ HK$195,548/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,355
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$105,100
−HK$2,784/mo
Today · 4.125%
HK$107,884
baseline
▲ 0.50% · 4.625%
HK$113,571
+HK$5,687/mo
Deposit HK$20.17M · loan HK$20.17M · min. income ≈ HK$215,768/mo (50% DSR)
Upfront cash ≈ HK$21.89M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,406
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,840
−HK$3,489/mo
Today · 4.125%
HK$117,329
baseline
▲ 0.50% · 4.625%
HK$124,469
+HK$7,140/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$234,658/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,825
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,120
−HK$3,341/mo
Today · 4.125%
HK$129,461
baseline
▲ 0.50% · 4.625%
HK$136,285
+HK$6,824/mo
Deposit HK$16.14M · loan HK$24.21M · min. income ≈ HK$258,922/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,807
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,813
−HK$4,071/mo
Today · 4.125%
HK$136,884
baseline
▲ 0.50% · 4.625%
HK$145,213
+HK$8,329/mo
Deposit HK$12.10M · loan HK$28.24M · min. income ≈ HK$273,768/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,296
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,139
−HK$3,899/mo
Today · 4.125%
HK$151,038
baseline
▲ 0.50% · 4.625%
HK$159,000
+HK$7,962/mo
Deposit HK$12.10M · loan HK$28.24M · min. income ≈ HK$302,076/mo (50% DSR)
Upfront cash ≈ HK$13.82M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,609
−HK$10,385/mo
▼ 0.25% · 3.875%
HK$170,760
−HK$5,234/mo
Today · 4.125%
HK$175,994
baseline
▲ 0.50% · 4.625%
HK$186,703
+HK$10,709/mo
Deposit HK$4.03M · loan HK$36.31M · min. income ≈ HK$351,988/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,238
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$189,179
−HK$5,013/mo
Today · 4.125%
HK$194,192
baseline
▲ 0.50% · 4.625%
HK$204,428
+HK$10,236/mo
Deposit HK$4.03M · loan HK$36.31M · min. income ≈ HK$388,384/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,714,811 · Scale 2, in force from 26 Feb 2026)