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$91,437
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,281
−HK$2,890/mo
Today · 4.125%
HK$97,171
baseline
▲ 0.50% · 4.625%
HK$103,084
+HK$5,913/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,342/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,723
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,451
−HK$2,767/mo
Today · 4.125%
HK$107,218
baseline
▲ 0.50% · 4.625%
HK$112,870
+HK$5,652/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,436/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,724
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,137
−HK$3,468/mo
Today · 4.125%
HK$116,605
baseline
▲ 0.50% · 4.625%
HK$123,700
+HK$7,095/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,210/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,067
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,341
−HK$3,321/mo
Today · 4.125%
HK$128,662
baseline
▲ 0.50% · 4.625%
HK$135,444
+HK$6,782/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,324/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,012
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,994
−HK$4,045/mo
Today · 4.125%
HK$136,039
baseline
▲ 0.50% · 4.625%
HK$144,317
+HK$8,278/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,078/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,412
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,231
−HK$3,875/mo
Today · 4.125%
HK$150,106
baseline
▲ 0.50% · 4.625%
HK$158,018
+HK$7,912/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,212/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,587
−HK$10,321/mo
▼ 0.25% · 3.875%
HK$169,706
−HK$5,202/mo
Today · 4.125%
HK$174,908
baseline
▲ 0.50% · 4.625%
HK$185,550
+HK$10,642/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$349,816/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,101
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$188,012
−HK$4,981/mo
Today · 4.125%
HK$192,993
baseline
▲ 0.50% · 4.625%
HK$203,166
+HK$10,173/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$385,986/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,226 · Scale 2, in force from 26 Feb 2026)