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$91,413
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,256
−HK$2,889/mo
Today · 4.125%
HK$97,145
baseline
▲ 0.50% · 4.625%
HK$103,056
+HK$5,911/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,290/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,696
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,423
−HK$2,767/mo
Today · 4.125%
HK$107,190
baseline
▲ 0.50% · 4.625%
HK$112,840
+HK$5,650/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,380/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,695
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,107
−HK$3,467/mo
Today · 4.125%
HK$116,574
baseline
▲ 0.50% · 4.625%
HK$123,667
+HK$7,093/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$233,148/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,035
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$125,308
−HK$3,320/mo
Today · 4.125%
HK$128,628
baseline
▲ 0.50% · 4.625%
HK$135,408
+HK$6,780/mo
Deposit HK$16.04M · loan HK$24.05M · min. income ≈ HK$257,256/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,978
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,958
−HK$4,045/mo
Today · 4.125%
HK$136,003
baseline
▲ 0.50% · 4.625%
HK$144,278
+HK$8,275/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$272,006/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,374
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,192
−HK$3,874/mo
Today · 4.125%
HK$150,066
baseline
▲ 0.50% · 4.625%
HK$157,976
+HK$7,910/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,132/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,543
−HK$10,318/mo
▼ 0.25% · 3.875%
HK$169,661
−HK$5,200/mo
Today · 4.125%
HK$174,861
baseline
▲ 0.50% · 4.625%
HK$185,501
+HK$10,640/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,722/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,052
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$187,961
−HK$4,981/mo
Today · 4.125%
HK$192,942
baseline
▲ 0.50% · 4.625%
HK$203,112
+HK$10,170/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,884/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,772 · Scale 2, in force from 26 Feb 2026)