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$91,382
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,225
−HK$2,888/mo
Today · 4.125%
HK$97,113
baseline
▲ 0.50% · 4.625%
HK$103,022
+HK$5,909/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,226/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,662
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,388
−HK$2,766/mo
Today · 4.125%
HK$107,154
baseline
▲ 0.50% · 4.625%
HK$112,803
+HK$5,649/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,308/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,659
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,070
−HK$3,465/mo
Today · 4.125%
HK$116,535
baseline
▲ 0.50% · 4.625%
HK$123,626
+HK$7,091/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$233,070/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,994
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,266
−HK$3,319/mo
Today · 4.125%
HK$128,585
baseline
▲ 0.50% · 4.625%
HK$135,363
+HK$6,778/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$257,170/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,935
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,915
−HK$4,043/mo
Today · 4.125%
HK$135,958
baseline
▲ 0.50% · 4.625%
HK$144,231
+HK$8,273/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,916/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,327
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,144
−HK$3,872/mo
Today · 4.125%
HK$150,016
baseline
▲ 0.50% · 4.625%
HK$157,924
+HK$7,908/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,032/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,488
−HK$10,315/mo
▼ 0.25% · 3.875%
HK$169,605
−HK$5,198/mo
Today · 4.125%
HK$174,803
baseline
▲ 0.50% · 4.625%
HK$185,439
+HK$10,636/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$349,606/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,991
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$187,899
−HK$4,979/mo
Today · 4.125%
HK$192,878
baseline
▲ 0.50% · 4.625%
HK$203,045
+HK$10,167/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$385,756/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,207 · Scale 2, in force from 26 Feb 2026)