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$91,423
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,267
−HK$2,889/mo
Today · 4.125%
HK$97,156
baseline
▲ 0.50% · 4.625%
HK$103,068
+HK$5,912/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,312/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,708
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,435
−HK$2,768/mo
Today · 4.125%
HK$107,203
baseline
▲ 0.50% · 4.625%
HK$112,853
+HK$5,650/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,406/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,708
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,121
−HK$3,467/mo
Today · 4.125%
HK$116,588
baseline
▲ 0.50% · 4.625%
HK$123,682
+HK$7,094/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,176/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,049
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,322
−HK$3,321/mo
Today · 4.125%
HK$128,643
baseline
▲ 0.50% · 4.625%
HK$135,424
+HK$6,781/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,286/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,993
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,974
−HK$4,045/mo
Today · 4.125%
HK$136,019
baseline
▲ 0.50% · 4.625%
HK$144,295
+HK$8,276/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,038/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,391
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,209
−HK$3,875/mo
Today · 4.125%
HK$150,084
baseline
▲ 0.50% · 4.625%
HK$157,995
+HK$7,911/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,168/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,562
−HK$10,320/mo
▼ 0.25% · 3.875%
HK$169,681
−HK$5,201/mo
Today · 4.125%
HK$174,882
baseline
▲ 0.50% · 4.625%
HK$185,523
+HK$10,641/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,764/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,074
−HK$9,891/mo
▼ 0.25% · 3.875%
HK$187,984
−HK$4,981/mo
Today · 4.125%
HK$192,965
baseline
▲ 0.50% · 4.625%
HK$203,136
+HK$10,171/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,930/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,973 · Scale 2, in force from 26 Feb 2026)