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$91,237
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,075
−HK$2,883/mo
Today · 4.125%
HK$96,958
baseline
▲ 0.50% · 4.625%
HK$102,858
+HK$5,900/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,916/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,500
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,222
−HK$2,762/mo
Today · 4.125%
HK$106,984
baseline
▲ 0.50% · 4.625%
HK$112,623
+HK$5,639/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$213,968/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,484
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$112,890
−HK$3,460/mo
Today · 4.125%
HK$116,350
baseline
▲ 0.50% · 4.625%
HK$123,429
+HK$7,079/mo
Deposit HK$16.00M · loan HK$24.01M · min. income ≈ HK$232,700/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,800
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,067
−HK$3,313/mo
Today · 4.125%
HK$128,380
baseline
▲ 0.50% · 4.625%
HK$135,148
+HK$6,768/mo
Deposit HK$16.00M · loan HK$24.01M · min. income ≈ HK$256,760/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,731
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$131,705
−HK$4,036/mo
Today · 4.125%
HK$135,741
baseline
▲ 0.50% · 4.625%
HK$144,001
+HK$8,260/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$271,482/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,100
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,911
−HK$3,866/mo
Today · 4.125%
HK$149,777
baseline
▲ 0.50% · 4.625%
HK$157,672
+HK$7,895/mo
Deposit HK$12.00M · loan HK$28.01M · min. income ≈ HK$299,554/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,226
−HK$10,299/mo
▼ 0.25% · 3.875%
HK$169,334
−HK$5,191/mo
Today · 4.125%
HK$174,525
baseline
▲ 0.50% · 4.625%
HK$185,144
+HK$10,619/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$349,050/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,700
−HK$9,871/mo
▼ 0.25% · 3.875%
HK$187,600
−HK$4,971/mo
Today · 4.125%
HK$192,571
baseline
▲ 0.50% · 4.625%
HK$202,721
+HK$10,150/mo
Deposit HK$4.00M · loan HK$36.01M · min. income ≈ HK$385,142/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,494 · Scale 2, in force from 26 Feb 2026)