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$91,266
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,105
−HK$2,884/mo
Today · 4.125%
HK$96,989
baseline
▲ 0.50% · 4.625%
HK$102,890
+HK$5,901/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,978/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,532
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,255
−HK$2,763/mo
Today · 4.125%
HK$107,018
baseline
▲ 0.50% · 4.625%
HK$112,659
+HK$5,641/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$214,036/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,519
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,925
−HK$3,462/mo
Today · 4.125%
HK$116,387
baseline
▲ 0.50% · 4.625%
HK$123,468
+HK$7,081/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$232,774/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,839
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,106
−HK$3,315/mo
Today · 4.125%
HK$128,421
baseline
▲ 0.50% · 4.625%
HK$135,190
+HK$6,769/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$256,842/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,772
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,746
−HK$4,038/mo
Today · 4.125%
HK$135,784
baseline
▲ 0.50% · 4.625%
HK$144,046
+HK$8,262/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,568/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,145
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,957
−HK$3,868/mo
Today · 4.125%
HK$149,825
baseline
▲ 0.50% · 4.625%
HK$157,722
+HK$7,897/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,650/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,278
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$169,388
−HK$5,192/mo
Today · 4.125%
HK$174,580
baseline
▲ 0.50% · 4.625%
HK$185,203
+HK$10,623/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$349,160/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,758
−HK$9,874/mo
▼ 0.25% · 3.875%
HK$187,659
−HK$4,973/mo
Today · 4.125%
HK$192,632
baseline
▲ 0.50% · 4.625%
HK$202,785
+HK$10,153/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$385,264/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,032 · Scale 2, in force from 26 Feb 2026)