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$91,319
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,160
−HK$2,886/mo
Today · 4.125%
HK$97,046
baseline
▲ 0.50% · 4.625%
HK$102,951
+HK$5,905/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,092/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,592
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,316
−HK$2,765/mo
Today · 4.125%
HK$107,081
baseline
▲ 0.50% · 4.625%
HK$112,725
+HK$5,644/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,162/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,583
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,992
−HK$3,463/mo
Today · 4.125%
HK$116,455
baseline
▲ 0.50% · 4.625%
HK$123,541
+HK$7,086/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$232,910/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,910
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,180
−HK$3,317/mo
Today · 4.125%
HK$128,497
baseline
▲ 0.50% · 4.625%
HK$135,270
+HK$6,773/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$256,994/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,847
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$131,824
−HK$4,040/mo
Today · 4.125%
HK$135,864
baseline
▲ 0.50% · 4.625%
HK$144,131
+HK$8,267/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$271,728/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,229
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$146,043
−HK$3,870/mo
Today · 4.125%
HK$149,913
baseline
▲ 0.50% · 4.625%
HK$157,815
+HK$7,902/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$299,826/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,375
−HK$10,308/mo
▼ 0.25% · 3.875%
HK$169,488
−HK$5,195/mo
Today · 4.125%
HK$174,683
baseline
▲ 0.50% · 4.625%
HK$185,312
+HK$10,629/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$349,366/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,865
−HK$9,880/mo
▼ 0.25% · 3.875%
HK$187,770
−HK$4,975/mo
Today · 4.125%
HK$192,745
baseline
▲ 0.50% · 4.625%
HK$202,905
+HK$10,160/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$385,490/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,033 · Scale 2, in force from 26 Feb 2026)