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$91,296
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,136
−HK$2,885/mo
Today · 4.125%
HK$97,021
baseline
▲ 0.50% · 4.625%
HK$102,925
+HK$5,904/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,042/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,566
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,290
−HK$2,763/mo
Today · 4.125%
HK$107,053
baseline
▲ 0.50% · 4.625%
HK$112,696
+HK$5,643/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,106/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,555
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,963
−HK$3,463/mo
Today · 4.125%
HK$116,426
baseline
▲ 0.50% · 4.625%
HK$123,510
+HK$7,084/mo
Deposit HK$16.02M · loan HK$24.02M · min. income ≈ HK$232,852/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,879
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,148
−HK$3,316/mo
Today · 4.125%
HK$128,464
baseline
▲ 0.50% · 4.625%
HK$135,236
+HK$6,772/mo
Deposit HK$16.02M · loan HK$24.02M · min. income ≈ HK$256,928/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,815
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,790
−HK$4,040/mo
Today · 4.125%
HK$135,830
baseline
▲ 0.50% · 4.625%
HK$144,095
+HK$8,265/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$271,660/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,193
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$146,006
−HK$3,869/mo
Today · 4.125%
HK$149,875
baseline
▲ 0.50% · 4.625%
HK$157,775
+HK$7,900/mo
Deposit HK$12.01M · loan HK$28.03M · min. income ≈ HK$299,750/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,333
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$169,445
−HK$5,193/mo
Today · 4.125%
HK$174,638
baseline
▲ 0.50% · 4.625%
HK$185,265
+HK$10,627/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$349,276/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,819
−HK$9,877/mo
▼ 0.25% · 3.875%
HK$187,722
−HK$4,974/mo
Today · 4.125%
HK$192,696
baseline
▲ 0.50% · 4.625%
HK$202,853
+HK$10,157/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$385,392/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,701,602 · Scale 2, in force from 26 Feb 2026)