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$91,257
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,095
−HK$2,884/mo
Today · 4.125%
HK$96,979
baseline
▲ 0.50% · 4.625%
HK$102,880
+HK$5,901/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,958/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,522
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,245
−HK$2,762/mo
Today · 4.125%
HK$107,007
baseline
▲ 0.50% · 4.625%
HK$112,647
+HK$5,640/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$214,014/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,508
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$112,914
−HK$3,461/mo
Today · 4.125%
HK$116,375
baseline
▲ 0.50% · 4.625%
HK$123,456
+HK$7,081/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$232,750/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,826
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,094
−HK$3,314/mo
Today · 4.125%
HK$128,408
baseline
▲ 0.50% · 4.625%
HK$135,177
+HK$6,769/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$256,816/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,759
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,733
−HK$4,038/mo
Today · 4.125%
HK$135,771
baseline
▲ 0.50% · 4.625%
HK$144,032
+HK$8,261/mo
Deposit HK$12.01M · loan HK$28.01M · min. income ≈ HK$271,542/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,131
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,943
−HK$3,867/mo
Today · 4.125%
HK$149,810
baseline
▲ 0.50% · 4.625%
HK$157,706
+HK$7,896/mo
Deposit HK$12.01M · loan HK$28.01M · min. income ≈ HK$299,620/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,262
−HK$10,300/mo
▼ 0.25% · 3.875%
HK$169,371
−HK$5,191/mo
Today · 4.125%
HK$174,562
baseline
▲ 0.50% · 4.625%
HK$185,184
+HK$10,622/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$349,124/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,740
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$187,640
−HK$4,972/mo
Today · 4.125%
HK$192,612
baseline
▲ 0.50% · 4.625%
HK$202,765
+HK$10,153/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$385,224/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,863 · Scale 2, in force from 26 Feb 2026)