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$91,351
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,193
−HK$2,887/mo
Today · 4.125%
HK$97,080
baseline
▲ 0.50% · 4.625%
HK$102,987
+HK$5,907/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$194,160/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,627
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,353
−HK$2,765/mo
Today · 4.125%
HK$107,118
baseline
▲ 0.50% · 4.625%
HK$112,764
+HK$5,646/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$214,236/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,621
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,031
−HK$3,465/mo
Today · 4.125%
HK$116,496
baseline
▲ 0.50% · 4.625%
HK$123,584
+HK$7,088/mo
Deposit HK$16.02M · loan HK$24.04M · min. income ≈ HK$232,992/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,953
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,224
−HK$3,318/mo
Today · 4.125%
HK$128,542
baseline
▲ 0.50% · 4.625%
HK$135,317
+HK$6,775/mo
Deposit HK$16.02M · loan HK$24.04M · min. income ≈ HK$257,084/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,892
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$131,870
−HK$4,042/mo
Today · 4.125%
HK$135,912
baseline
▲ 0.50% · 4.625%
HK$144,182
+HK$8,270/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$271,824/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,278
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$146,094
−HK$3,871/mo
Today · 4.125%
HK$149,965
baseline
▲ 0.50% · 4.625%
HK$157,870
+HK$7,905/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$299,930/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,432
−HK$10,312/mo
▼ 0.25% · 3.875%
HK$169,547
−HK$5,197/mo
Today · 4.125%
HK$174,744
baseline
▲ 0.50% · 4.625%
HK$185,376
+HK$10,632/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$349,488/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,929
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,835
−HK$4,977/mo
Today · 4.125%
HK$192,812
baseline
▲ 0.50% · 4.625%
HK$202,976
+HK$10,164/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$385,624/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,628 · Scale 2, in force from 26 Feb 2026)