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$91,347
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,188
−HK$2,887/mo
Today · 4.125%
HK$97,075
baseline
▲ 0.50% · 4.625%
HK$102,982
+HK$5,907/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$194,150/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,622
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,348
−HK$2,765/mo
Today · 4.125%
HK$107,113
baseline
▲ 0.50% · 4.625%
HK$112,759
+HK$5,646/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$214,226/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,616
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,026
−HK$3,464/mo
Today · 4.125%
HK$116,490
baseline
▲ 0.50% · 4.625%
HK$123,578
+HK$7,088/mo
Deposit HK$16.02M · loan HK$24.04M · min. income ≈ HK$232,980/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,947
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,218
−HK$3,317/mo
Today · 4.125%
HK$128,535
baseline
▲ 0.50% · 4.625%
HK$135,311
+HK$6,776/mo
Deposit HK$16.02M · loan HK$24.04M · min. income ≈ HK$257,070/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,886
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,864
−HK$4,041/mo
Today · 4.125%
HK$135,905
baseline
▲ 0.50% · 4.625%
HK$144,175
+HK$8,270/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$271,810/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,271
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$146,087
−HK$3,871/mo
Today · 4.125%
HK$149,958
baseline
▲ 0.50% · 4.625%
HK$157,862
+HK$7,904/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$299,916/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,424
−HK$10,311/mo
▼ 0.25% · 3.875%
HK$169,539
−HK$5,196/mo
Today · 4.125%
HK$174,735
baseline
▲ 0.50% · 4.625%
HK$185,367
+HK$10,632/mo
Deposit HK$4.01M · loan HK$36.05M · min. income ≈ HK$349,470/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,920
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,826
−HK$4,977/mo
Today · 4.125%
HK$192,803
baseline
▲ 0.50% · 4.625%
HK$202,966
+HK$10,163/mo
Deposit HK$4.01M · loan HK$36.05M · min. income ≈ HK$385,606/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,547 · Scale 2, in force from 26 Feb 2026)