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$91,438
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,283
−HK$2,889/mo
Today · 4.125%
HK$97,172
baseline
▲ 0.50% · 4.625%
HK$103,085
+HK$5,913/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,344/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,724
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,453
−HK$2,767/mo
Today · 4.125%
HK$107,220
baseline
▲ 0.50% · 4.625%
HK$112,872
+HK$5,652/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,440/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,726
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,139
−HK$3,468/mo
Today · 4.125%
HK$116,607
baseline
▲ 0.50% · 4.625%
HK$123,702
+HK$7,095/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,214/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,069
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,343
−HK$3,321/mo
Today · 4.125%
HK$128,664
baseline
▲ 0.50% · 4.625%
HK$135,446
+HK$6,782/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,328/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,014
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,996
−HK$4,045/mo
Today · 4.125%
HK$136,041
baseline
▲ 0.50% · 4.625%
HK$144,319
+HK$8,278/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,082/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,414
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,234
−HK$3,874/mo
Today · 4.125%
HK$150,108
baseline
▲ 0.50% · 4.625%
HK$158,021
+HK$7,913/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,216/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,589
−HK$10,321/mo
▼ 0.25% · 3.875%
HK$169,709
−HK$5,201/mo
Today · 4.125%
HK$174,910
baseline
▲ 0.50% · 4.625%
HK$185,553
+HK$10,643/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$349,820/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,104
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$188,015
−HK$4,981/mo
Today · 4.125%
HK$192,996
baseline
▲ 0.50% · 4.625%
HK$203,169
+HK$10,173/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$385,992/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,254 · Scale 2, in force from 26 Feb 2026)