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$91,645
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,496
−HK$2,896/mo
Today · 4.125%
HK$97,392
baseline
▲ 0.50% · 4.625%
HK$103,318
+HK$5,926/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$194,784/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,954
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,688
−HK$2,774/mo
Today · 4.125%
HK$107,462
baseline
▲ 0.50% · 4.625%
HK$113,127
+HK$5,665/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$214,924/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,974
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,395
−HK$3,475/mo
Today · 4.125%
HK$116,870
baseline
▲ 0.50% · 4.625%
HK$123,981
+HK$7,111/mo
Deposit HK$16.08M · loan HK$24.11M · min. income ≈ HK$233,740/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,345
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,626
−HK$3,329/mo
Today · 4.125%
HK$128,955
baseline
▲ 0.50% · 4.625%
HK$135,752
+HK$6,797/mo
Deposit HK$16.08M · loan HK$24.11M · min. income ≈ HK$257,910/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,303
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$132,294
−HK$4,055/mo
Today · 4.125%
HK$136,349
baseline
▲ 0.50% · 4.625%
HK$144,645
+HK$8,296/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$272,698/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,736
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$146,564
−HK$3,883/mo
Today · 4.125%
HK$150,447
baseline
▲ 0.50% · 4.625%
HK$158,377
+HK$7,930/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$300,894/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,961
−HK$10,344/mo
▼ 0.25% · 3.875%
HK$170,092
−HK$5,213/mo
Today · 4.125%
HK$175,305
baseline
▲ 0.50% · 4.625%
HK$185,972
+HK$10,667/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$350,610/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,517
−HK$9,915/mo
▼ 0.25% · 3.875%
HK$188,439
−HK$4,993/mo
Today · 4.125%
HK$193,432
baseline
▲ 0.50% · 4.625%
HK$203,628
+HK$10,196/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$386,864/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,101 · Scale 2, in force from 26 Feb 2026)