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$91,698
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,550
−HK$2,898/mo
Today · 4.125%
HK$97,448
baseline
▲ 0.50% · 4.625%
HK$103,378
+HK$5,930/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$194,896/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,013
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,749
−HK$2,776/mo
Today · 4.125%
HK$107,525
baseline
▲ 0.50% · 4.625%
HK$113,192
+HK$5,667/mo
Deposit HK$20.11M · loan HK$20.11M · min. income ≈ HK$215,050/mo (50% DSR)
Upfront cash ≈ HK$21.82M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,038
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,460
−HK$3,478/mo
Today · 4.125%
HK$116,938
baseline
▲ 0.50% · 4.625%
HK$124,053
+HK$7,115/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$233,876/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,416
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,699
−HK$3,330/mo
Today · 4.125%
HK$129,029
baseline
▲ 0.50% · 4.625%
HK$135,831
+HK$6,802/mo
Deposit HK$16.09M · loan HK$24.13M · min. income ≈ HK$258,058/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,377
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$132,370
−HK$4,058/mo
Today · 4.125%
HK$136,428
baseline
▲ 0.50% · 4.625%
HK$144,729
+HK$8,301/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$272,856/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,818
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,649
−HK$3,885/mo
Today · 4.125%
HK$150,534
baseline
▲ 0.50% · 4.625%
HK$158,469
+HK$7,935/mo
Deposit HK$12.06M · loan HK$28.15M · min. income ≈ HK$301,068/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,056
−HK$10,351/mo
▼ 0.25% · 3.875%
HK$170,191
−HK$5,216/mo
Today · 4.125%
HK$175,407
baseline
▲ 0.50% · 4.625%
HK$186,080
+HK$10,673/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$350,814/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,624
−HK$9,920/mo
▼ 0.25% · 3.875%
HK$188,548
−HK$4,996/mo
Today · 4.125%
HK$193,544
baseline
▲ 0.50% · 4.625%
HK$203,746
+HK$10,202/mo
Deposit HK$4.02M · loan HK$36.19M · min. income ≈ HK$387,088/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,709,091 · Scale 2, in force from 26 Feb 2026)