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$92,078
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$94,942
−HK$2,910/mo
Today · 4.125%
HK$97,852
baseline
▲ 0.50% · 4.625%
HK$103,806
+HK$5,954/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$195,704/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,435
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,183
−HK$2,787/mo
Today · 4.125%
HK$107,970
baseline
▲ 0.50% · 4.625%
HK$113,661
+HK$5,691/mo
Deposit HK$20.19M · loan HK$20.19M · min. income ≈ HK$215,940/mo (50% DSR)
Upfront cash ≈ HK$21.91M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,493
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,930
−HK$3,492/mo
Today · 4.125%
HK$117,422
baseline
▲ 0.50% · 4.625%
HK$124,567
+HK$7,145/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$234,844/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,922
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,219
−HK$3,345/mo
Today · 4.125%
HK$129,564
baseline
▲ 0.50% · 4.625%
HK$136,393
+HK$6,829/mo
Deposit HK$16.15M · loan HK$24.23M · min. income ≈ HK$259,128/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,909
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,918
−HK$4,074/mo
Today · 4.125%
HK$136,992
baseline
▲ 0.50% · 4.625%
HK$145,328
+HK$8,336/mo
Deposit HK$12.11M · loan HK$28.27M · min. income ≈ HK$273,984/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,409
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$147,256
−HK$3,901/mo
Today · 4.125%
HK$151,157
baseline
▲ 0.50% · 4.625%
HK$159,125
+HK$7,968/mo
Deposit HK$12.11M · loan HK$28.27M · min. income ≈ HK$302,314/mo (50% DSR)
Upfront cash ≈ HK$13.83M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,740
−HK$10,393/mo
▼ 0.25% · 3.875%
HK$170,895
−HK$5,238/mo
Today · 4.125%
HK$176,133
baseline
▲ 0.50% · 4.625%
HK$186,850
+HK$10,717/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$352,266/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,384
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$189,329
−HK$5,016/mo
Today · 4.125%
HK$194,345
baseline
▲ 0.50% · 4.625%
HK$204,589
+HK$10,244/mo
Deposit HK$4.04M · loan HK$36.34M · min. income ≈ HK$388,690/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$1,716,165 · Scale 2, in force from 26 Feb 2026)