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$91,530
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,377
−HK$2,893/mo
Today · 4.125%
HK$97,270
baseline
▲ 0.50% · 4.625%
HK$103,188
+HK$5,918/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$194,540/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,826
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,557
−HK$2,771/mo
Today · 4.125%
HK$107,328
baseline
▲ 0.50% · 4.625%
HK$112,985
+HK$5,657/mo
Deposit HK$20.07M · loan HK$20.07M · min. income ≈ HK$214,656/mo (50% DSR)
Upfront cash ≈ HK$21.78M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,836
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,252
−HK$3,472/mo
Today · 4.125%
HK$116,724
baseline
▲ 0.50% · 4.625%
HK$123,826
+HK$7,102/mo
Deposit HK$16.06M · loan HK$24.08M · min. income ≈ HK$233,448/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,191
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,468
−HK$3,325/mo
Today · 4.125%
HK$128,793
baseline
▲ 0.50% · 4.625%
HK$135,582
+HK$6,789/mo
Deposit HK$16.06M · loan HK$24.08M · min. income ≈ HK$257,586/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,142
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$132,128
−HK$4,050/mo
Today · 4.125%
HK$136,178
baseline
▲ 0.50% · 4.625%
HK$144,464
+HK$8,286/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$272,356/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,557
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$146,380
−HK$3,879/mo
Today · 4.125%
HK$150,259
baseline
▲ 0.50% · 4.625%
HK$158,179
+HK$7,920/mo
Deposit HK$12.04M · loan HK$28.10M · min. income ≈ HK$300,518/mo (50% DSR)
Upfront cash ≈ HK$13.75M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,754
−HK$10,331/mo
▼ 0.25% · 3.875%
HK$169,879
−HK$5,206/mo
Today · 4.125%
HK$175,085
baseline
▲ 0.50% · 4.625%
HK$185,739
+HK$10,654/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$350,170/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,287
−HK$9,903/mo
▼ 0.25% · 3.875%
HK$188,203
−HK$4,987/mo
Today · 4.125%
HK$193,190
baseline
▲ 0.50% · 4.625%
HK$203,373
+HK$10,183/mo
Deposit HK$4.01M · loan HK$36.13M · min. income ≈ HK$386,380/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,705,959 · Scale 2, in force from 26 Feb 2026)