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$91,381
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,224
−HK$2,888/mo
Today · 4.125%
HK$97,112
baseline
▲ 0.50% · 4.625%
HK$103,021
+HK$5,909/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,224/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,661
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,387
−HK$2,766/mo
Today · 4.125%
HK$107,153
baseline
▲ 0.50% · 4.625%
HK$112,801
+HK$5,648/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,306/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,658
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,069
−HK$3,465/mo
Today · 4.125%
HK$116,534
baseline
▲ 0.50% · 4.625%
HK$123,625
+HK$7,091/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,068/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,993
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,265
−HK$3,319/mo
Today · 4.125%
HK$128,584
baseline
▲ 0.50% · 4.625%
HK$135,362
+HK$6,778/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,168/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,934
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,913
−HK$4,043/mo
Today · 4.125%
HK$135,956
baseline
▲ 0.50% · 4.625%
HK$144,229
+HK$8,273/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,912/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,325
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,142
−HK$3,872/mo
Today · 4.125%
HK$150,014
baseline
▲ 0.50% · 4.625%
HK$157,922
+HK$7,908/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,028/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,486
−HK$10,315/mo
▼ 0.25% · 3.875%
HK$169,603
−HK$5,198/mo
Today · 4.125%
HK$174,801
baseline
▲ 0.50% · 4.625%
HK$185,437
+HK$10,636/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$349,602/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,989
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$187,897
−HK$4,979/mo
Today · 4.125%
HK$192,876
baseline
▲ 0.50% · 4.625%
HK$203,042
+HK$10,166/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$385,752/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,188 · Scale 2, in force from 26 Feb 2026)