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$91,324
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,164
−HK$2,886/mo
Today · 4.125%
HK$97,050
baseline
▲ 0.50% · 4.625%
HK$102,956
+HK$5,906/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,100/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,597
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,321
−HK$2,764/mo
Today · 4.125%
HK$107,085
baseline
▲ 0.50% · 4.625%
HK$112,730
+HK$5,645/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,170/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,588
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,997
−HK$3,463/mo
Today · 4.125%
HK$116,460
baseline
▲ 0.50% · 4.625%
HK$123,547
+HK$7,087/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$232,920/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,916
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,186
−HK$3,317/mo
Today · 4.125%
HK$128,503
baseline
▲ 0.50% · 4.625%
HK$135,276
+HK$6,773/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$257,006/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,853
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,830
−HK$4,041/mo
Today · 4.125%
HK$135,871
baseline
▲ 0.50% · 4.625%
HK$144,138
+HK$8,267/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$271,742/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,235
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,050
−HK$3,870/mo
Today · 4.125%
HK$149,920
baseline
▲ 0.50% · 4.625%
HK$157,822
+HK$7,902/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$299,840/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,382
−HK$10,309/mo
▼ 0.25% · 3.875%
HK$169,496
−HK$5,195/mo
Today · 4.125%
HK$174,691
baseline
▲ 0.50% · 4.625%
HK$185,320
+HK$10,629/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$349,382/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,874
−HK$9,880/mo
▼ 0.25% · 3.875%
HK$187,778
−HK$4,976/mo
Today · 4.125%
HK$192,754
baseline
▲ 0.50% · 4.625%
HK$202,914
+HK$10,160/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$385,508/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,112 · Scale 2, in force from 26 Feb 2026)