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$91,285
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,125
−HK$2,885/mo
Today · 4.125%
HK$97,010
baseline
▲ 0.50% · 4.625%
HK$102,913
+HK$5,903/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,020/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,554
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,278
−HK$2,763/mo
Today · 4.125%
HK$107,041
baseline
▲ 0.50% · 4.625%
HK$112,683
+HK$5,642/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,082/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,543
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,950
−HK$3,462/mo
Today · 4.125%
HK$116,412
baseline
▲ 0.50% · 4.625%
HK$123,495
+HK$7,083/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$232,824/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,865
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,133
−HK$3,316/mo
Today · 4.125%
HK$128,449
baseline
▲ 0.50% · 4.625%
HK$135,220
+HK$6,771/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$256,898/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,800
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$131,775
−HK$4,039/mo
Today · 4.125%
HK$135,814
baseline
▲ 0.50% · 4.625%
HK$144,078
+HK$8,264/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,628/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,176
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$145,989
−HK$3,868/mo
Today · 4.125%
HK$149,857
baseline
▲ 0.50% · 4.625%
HK$157,756
+HK$7,899/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,714/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,314
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$169,425
−HK$5,193/mo
Today · 4.125%
HK$174,618
baseline
▲ 0.50% · 4.625%
HK$185,243
+HK$10,625/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$349,236/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,797
−HK$9,876/mo
▼ 0.25% · 3.875%
HK$187,700
−HK$4,973/mo
Today · 4.125%
HK$192,673
baseline
▲ 0.50% · 4.625%
HK$202,830
+HK$10,157/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$385,346/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,402 · Scale 2, in force from 26 Feb 2026)