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$91,356
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,198
−HK$2,887/mo
Today · 4.125%
HK$97,085
baseline
▲ 0.50% · 4.625%
HK$102,993
+HK$5,908/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$194,170/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,633
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,359
−HK$2,765/mo
Today · 4.125%
HK$107,124
baseline
▲ 0.50% · 4.625%
HK$112,771
+HK$5,647/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$214,248/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,628
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,038
−HK$3,464/mo
Today · 4.125%
HK$116,502
baseline
▲ 0.50% · 4.625%
HK$123,591
+HK$7,089/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,004/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,960
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,231
−HK$3,318/mo
Today · 4.125%
HK$128,549
baseline
▲ 0.50% · 4.625%
HK$135,325
+HK$6,776/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,098/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,899
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$131,877
−HK$4,042/mo
Today · 4.125%
HK$135,919
baseline
▲ 0.50% · 4.625%
HK$144,190
+HK$8,271/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$271,838/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,286
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$146,102
−HK$3,872/mo
Today · 4.125%
HK$149,974
baseline
▲ 0.50% · 4.625%
HK$157,879
+HK$7,905/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$299,948/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,442
−HK$10,312/mo
▼ 0.25% · 3.875%
HK$169,557
−HK$5,197/mo
Today · 4.125%
HK$174,754
baseline
▲ 0.50% · 4.625%
HK$185,387
+HK$10,633/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$349,508/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,940
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$187,846
−HK$4,977/mo
Today · 4.125%
HK$192,823
baseline
▲ 0.50% · 4.625%
HK$202,987
+HK$10,164/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$385,646/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,726 · Scale 2, in force from 26 Feb 2026)