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$91,305
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,145
−HK$2,886/mo
Today · 4.125%
HK$97,031
baseline
▲ 0.50% · 4.625%
HK$102,935
+HK$5,904/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,062/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,576
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,300
−HK$2,764/mo
Today · 4.125%
HK$107,064
baseline
▲ 0.50% · 4.625%
HK$112,708
+HK$5,644/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,128/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,566
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,974
−HK$3,463/mo
Today · 4.125%
HK$116,437
baseline
▲ 0.50% · 4.625%
HK$123,522
+HK$7,085/mo
Deposit HK$16.02M · loan HK$24.02M · min. income ≈ HK$232,874/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,891
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,160
−HK$3,317/mo
Today · 4.125%
HK$128,477
baseline
▲ 0.50% · 4.625%
HK$135,249
+HK$6,772/mo
Deposit HK$16.02M · loan HK$24.02M · min. income ≈ HK$256,954/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,827
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$131,804
−HK$4,039/mo
Today · 4.125%
HK$135,843
baseline
▲ 0.50% · 4.625%
HK$144,109
+HK$8,266/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$271,686/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,207
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$146,021
−HK$3,869/mo
Today · 4.125%
HK$149,890
baseline
▲ 0.50% · 4.625%
HK$157,791
+HK$7,901/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$299,780/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,349
−HK$10,307/mo
▼ 0.25% · 3.875%
HK$169,462
−HK$5,194/mo
Today · 4.125%
HK$174,656
baseline
▲ 0.50% · 4.625%
HK$185,283
+HK$10,627/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$349,312/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,837
−HK$9,878/mo
▼ 0.25% · 3.875%
HK$187,741
−HK$4,974/mo
Today · 4.125%
HK$192,715
baseline
▲ 0.50% · 4.625%
HK$202,874
+HK$10,159/mo
Deposit HK$4.00M · loan HK$36.04M · min. income ≈ HK$385,430/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,771 · Scale 2, in force from 26 Feb 2026)