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$91,427
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,271
−HK$2,890/mo
Today · 4.125%
HK$97,161
baseline
▲ 0.50% · 4.625%
HK$103,073
+HK$5,912/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,322/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,712
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,440
−HK$2,767/mo
Today · 4.125%
HK$107,207
baseline
▲ 0.50% · 4.625%
HK$112,858
+HK$5,651/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,414/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,713
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,125
−HK$3,468/mo
Today · 4.125%
HK$116,593
baseline
▲ 0.50% · 4.625%
HK$123,687
+HK$7,094/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,186/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,054
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,328
−HK$3,320/mo
Today · 4.125%
HK$128,648
baseline
▲ 0.50% · 4.625%
HK$135,430
+HK$6,782/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,296/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,998
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,980
−HK$4,045/mo
Today · 4.125%
HK$136,025
baseline
▲ 0.50% · 4.625%
HK$144,302
+HK$8,277/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,050/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,397
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,216
−HK$3,874/mo
Today · 4.125%
HK$150,090
baseline
▲ 0.50% · 4.625%
HK$158,001
+HK$7,911/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,180/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,569
−HK$10,320/mo
▼ 0.25% · 3.875%
HK$169,688
−HK$5,201/mo
Today · 4.125%
HK$174,889
baseline
▲ 0.50% · 4.625%
HK$185,531
+HK$10,642/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$349,778/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,081
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$187,992
−HK$4,981/mo
Today · 4.125%
HK$192,973
baseline
▲ 0.50% · 4.625%
HK$203,145
+HK$10,172/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$385,946/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,045 · Scale 2, in force from 26 Feb 2026)