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$91,372
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,214
−HK$2,888/mo
Today · 4.125%
HK$97,102
baseline
▲ 0.50% · 4.625%
HK$103,010
+HK$5,908/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,204/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,651
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,377
−HK$2,765/mo
Today · 4.125%
HK$107,142
baseline
▲ 0.50% · 4.625%
HK$112,790
+HK$5,648/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,284/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,647
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,057
−HK$3,465/mo
Today · 4.125%
HK$116,522
baseline
▲ 0.50% · 4.625%
HK$123,612
+HK$7,090/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,044/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,981
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,252
−HK$3,319/mo
Today · 4.125%
HK$128,571
baseline
▲ 0.50% · 4.625%
HK$135,348
+HK$6,777/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,142/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,921
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,900
−HK$4,043/mo
Today · 4.125%
HK$135,943
baseline
▲ 0.50% · 4.625%
HK$144,214
+HK$8,271/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,886/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,311
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$146,127
−HK$3,872/mo
Today · 4.125%
HK$149,999
baseline
▲ 0.50% · 4.625%
HK$157,906
+HK$7,907/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$299,998/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,470
−HK$10,313/mo
▼ 0.25% · 3.875%
HK$169,586
−HK$5,197/mo
Today · 4.125%
HK$174,783
baseline
▲ 0.50% · 4.625%
HK$185,419
+HK$10,636/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$349,566/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,971
−HK$9,885/mo
▼ 0.25% · 3.875%
HK$187,878
−HK$4,978/mo
Today · 4.125%
HK$192,856
baseline
▲ 0.50% · 4.625%
HK$203,022
+HK$10,166/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$385,712/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,017 · Scale 2, in force from 26 Feb 2026)