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$91,300
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,140
−HK$2,885/mo
Today · 4.125%
HK$97,025
baseline
▲ 0.50% · 4.625%
HK$102,929
+HK$5,904/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,050/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,570
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,294
−HK$2,764/mo
Today · 4.125%
HK$107,058
baseline
▲ 0.50% · 4.625%
HK$112,701
+HK$5,643/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,116/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,560
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,968
−HK$3,462/mo
Today · 4.125%
HK$116,430
baseline
▲ 0.50% · 4.625%
HK$123,515
+HK$7,085/mo
Deposit HK$16.02M · loan HK$24.02M · min. income ≈ HK$232,860/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,884
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,153
−HK$3,316/mo
Today · 4.125%
HK$128,469
baseline
▲ 0.50% · 4.625%
HK$135,241
+HK$6,772/mo
Deposit HK$16.02M · loan HK$24.02M · min. income ≈ HK$256,938/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,820
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,796
−HK$4,039/mo
Today · 4.125%
HK$135,835
baseline
▲ 0.50% · 4.625%
HK$144,101
+HK$8,266/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$271,670/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,199
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$146,012
−HK$3,869/mo
Today · 4.125%
HK$149,881
baseline
▲ 0.50% · 4.625%
HK$157,782
+HK$7,901/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$299,762/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,340
−HK$10,306/mo
▼ 0.25% · 3.875%
HK$169,452
−HK$5,194/mo
Today · 4.125%
HK$174,646
baseline
▲ 0.50% · 4.625%
HK$185,272
+HK$10,626/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$349,292/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,827
−HK$9,877/mo
▼ 0.25% · 3.875%
HK$187,730
−HK$4,974/mo
Today · 4.125%
HK$192,704
baseline
▲ 0.50% · 4.625%
HK$202,862
+HK$10,158/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$385,408/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,674 · Scale 2, in force from 26 Feb 2026)