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$91,901
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,759
−HK$2,905/mo
Today · 4.125%
HK$97,664
baseline
▲ 0.50% · 4.625%
HK$103,606
+HK$5,942/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$195,328/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,239
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,981
−HK$2,781/mo
Today · 4.125%
HK$107,762
baseline
▲ 0.50% · 4.625%
HK$113,442
+HK$5,680/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$215,524/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,281
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,711
−HK$3,485/mo
Today · 4.125%
HK$117,196
baseline
▲ 0.50% · 4.625%
HK$124,327
+HK$7,131/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$234,392/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,686
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,977
−HK$3,338/mo
Today · 4.125%
HK$129,315
baseline
▲ 0.50% · 4.625%
HK$136,131
+HK$6,816/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$258,630/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,661
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$132,663
−HK$4,066/mo
Today · 4.125%
HK$136,729
baseline
▲ 0.50% · 4.625%
HK$145,049
+HK$8,320/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$273,458/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,134
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,973
−HK$3,894/mo
Today · 4.125%
HK$150,867
baseline
▲ 0.50% · 4.625%
HK$158,819
+HK$7,952/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$301,734/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,421
−HK$10,373/mo
▼ 0.25% · 3.875%
HK$170,567
−HK$5,227/mo
Today · 4.125%
HK$175,794
baseline
▲ 0.50% · 4.625%
HK$186,491
+HK$10,697/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$351,588/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,029
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$188,965
−HK$5,007/mo
Today · 4.125%
HK$193,972
baseline
▲ 0.50% · 4.625%
HK$204,196
+HK$10,224/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$387,944/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,868 · Scale 2, in force from 26 Feb 2026)