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$91,885
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$94,743
−HK$2,904/mo
Today · 4.125%
HK$97,647
baseline
▲ 0.50% · 4.625%
HK$103,589
+HK$5,942/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$195,294/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,221
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,963
−HK$2,781/mo
Today · 4.125%
HK$107,744
baseline
▲ 0.50% · 4.625%
HK$113,423
+HK$5,679/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$215,488/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,262
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,692
−HK$3,484/mo
Today · 4.125%
HK$117,176
baseline
▲ 0.50% · 4.625%
HK$124,306
+HK$7,130/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$234,352/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,665
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,955
−HK$3,338/mo
Today · 4.125%
HK$129,293
baseline
▲ 0.50% · 4.625%
HK$136,108
+HK$6,815/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$258,586/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,639
−HK$8,067/mo
▼ 0.25% · 3.875%
HK$132,640
−HK$4,066/mo
Today · 4.125%
HK$136,706
baseline
▲ 0.50% · 4.625%
HK$145,024
+HK$8,318/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$273,412/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,110
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$146,948
−HK$3,893/mo
Today · 4.125%
HK$150,841
baseline
▲ 0.50% · 4.625%
HK$158,793
+HK$7,952/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$301,682/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,393
−HK$10,372/mo
▼ 0.25% · 3.875%
HK$170,538
−HK$5,227/mo
Today · 4.125%
HK$175,765
baseline
▲ 0.50% · 4.625%
HK$186,460
+HK$10,695/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$351,530/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,998
−HK$9,941/mo
▼ 0.25% · 3.875%
HK$188,933
−HK$5,006/mo
Today · 4.125%
HK$193,939
baseline
▲ 0.50% · 4.625%
HK$204,162
+HK$10,223/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$387,878/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,578 · Scale 2, in force from 26 Feb 2026)