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$91,644
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,495
−HK$2,896/mo
Today · 4.125%
HK$97,391
baseline
▲ 0.50% · 4.625%
HK$103,317
+HK$5,926/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$194,782/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,953
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,687
−HK$2,774/mo
Today · 4.125%
HK$107,461
baseline
▲ 0.50% · 4.625%
HK$113,126
+HK$5,665/mo
Deposit HK$20.10M · loan HK$20.10M · min. income ≈ HK$214,922/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,973
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,393
−HK$3,476/mo
Today · 4.125%
HK$116,869
baseline
▲ 0.50% · 4.625%
HK$123,980
+HK$7,111/mo
Deposit HK$16.08M · loan HK$24.11M · min. income ≈ HK$233,738/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,344
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,625
−HK$3,328/mo
Today · 4.125%
HK$128,953
baseline
▲ 0.50% · 4.625%
HK$135,751
+HK$6,798/mo
Deposit HK$16.08M · loan HK$24.11M · min. income ≈ HK$257,906/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,301
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$132,292
−HK$4,055/mo
Today · 4.125%
HK$136,347
baseline
▲ 0.50% · 4.625%
HK$144,644
+HK$8,297/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$272,694/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,734
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$146,562
−HK$3,884/mo
Today · 4.125%
HK$150,446
baseline
▲ 0.50% · 4.625%
HK$158,376
+HK$7,930/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$300,892/mo (50% DSR)
Upfront cash ≈ HK$13.77M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,959
−HK$10,344/mo
▼ 0.25% · 3.875%
HK$170,090
−HK$5,213/mo
Today · 4.125%
HK$175,303
baseline
▲ 0.50% · 4.625%
HK$185,970
+HK$10,667/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$350,606/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,515
−HK$9,915/mo
▼ 0.25% · 3.875%
HK$188,437
−HK$4,993/mo
Today · 4.125%
HK$193,430
baseline
▲ 0.50% · 4.625%
HK$203,626
+HK$10,196/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$386,860/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,708,083 · Scale 2, in force from 26 Feb 2026)