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$91,274
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,113
−HK$2,885/mo
Today · 4.125%
HK$96,998
baseline
▲ 0.50% · 4.625%
HK$102,900
+HK$5,902/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,996/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,541
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,265
−HK$2,762/mo
Today · 4.125%
HK$107,027
baseline
▲ 0.50% · 4.625%
HK$112,669
+HK$5,642/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$214,054/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,529
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,936
−HK$3,461/mo
Today · 4.125%
HK$116,397
baseline
▲ 0.50% · 4.625%
HK$123,480
+HK$7,083/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$232,794/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,849
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,117
−HK$3,316/mo
Today · 4.125%
HK$128,433
baseline
▲ 0.50% · 4.625%
HK$135,203
+HK$6,770/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$256,866/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,783
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$131,758
−HK$4,039/mo
Today · 4.125%
HK$135,797
baseline
▲ 0.50% · 4.625%
HK$144,059
+HK$8,262/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,594/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,158
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,970
−HK$3,868/mo
Today · 4.125%
HK$149,838
baseline
▲ 0.50% · 4.625%
HK$157,736
+HK$7,898/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,676/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,293
−HK$10,303/mo
▼ 0.25% · 3.875%
HK$169,403
−HK$5,193/mo
Today · 4.125%
HK$174,596
baseline
▲ 0.50% · 4.625%
HK$185,219
+HK$10,623/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$349,192/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,774
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$187,676
−HK$4,973/mo
Today · 4.125%
HK$192,649
baseline
▲ 0.50% · 4.625%
HK$202,804
+HK$10,155/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$385,298/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,186 · Scale 2, in force from 26 Feb 2026)