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$92,071
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$94,934
−HK$2,910/mo
Today · 4.125%
HK$97,844
baseline
▲ 0.50% · 4.625%
HK$103,798
+HK$5,954/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$195,688/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,428
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$105,175
−HK$2,786/mo
Today · 4.125%
HK$107,961
baseline
▲ 0.50% · 4.625%
HK$113,652
+HK$5,691/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$215,922/mo (50% DSR)
Upfront cash ≈ HK$21.90M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,485
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,921
−HK$3,492/mo
Today · 4.125%
HK$117,413
baseline
▲ 0.50% · 4.625%
HK$124,557
+HK$7,144/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$234,826/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,913
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,210
−HK$3,344/mo
Today · 4.125%
HK$129,554
baseline
▲ 0.50% · 4.625%
HK$136,383
+HK$6,829/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$259,108/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,899
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,908
−HK$4,074/mo
Today · 4.125%
HK$136,982
baseline
▲ 0.50% · 4.625%
HK$145,317
+HK$8,335/mo
Deposit HK$12.11M · loan HK$28.26M · min. income ≈ HK$273,964/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,399
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,245
−HK$3,901/mo
Today · 4.125%
HK$151,146
baseline
▲ 0.50% · 4.625%
HK$159,113
+HK$7,967/mo
Deposit HK$12.11M · loan HK$28.26M · min. income ≈ HK$302,292/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,727
−HK$10,393/mo
▼ 0.25% · 3.875%
HK$170,882
−HK$5,238/mo
Today · 4.125%
HK$176,120
baseline
▲ 0.50% · 4.625%
HK$186,836
+HK$10,716/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$352,240/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,370
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$189,314
−HK$5,017/mo
Today · 4.125%
HK$194,331
baseline
▲ 0.50% · 4.625%
HK$204,574
+HK$10,243/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$388,662/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,035 · Scale 2, in force from 26 Feb 2026)