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$91,374
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,216
−HK$2,888/mo
Today · 4.125%
HK$97,104
baseline
▲ 0.50% · 4.625%
HK$103,012
+HK$5,908/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,208/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,653
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,379
−HK$2,766/mo
Today · 4.125%
HK$107,145
baseline
▲ 0.50% · 4.625%
HK$112,792
+HK$5,647/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,290/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,649
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,059
−HK$3,466/mo
Today · 4.125%
HK$116,525
baseline
▲ 0.50% · 4.625%
HK$123,615
+HK$7,090/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,050/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,983
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,255
−HK$3,319/mo
Today · 4.125%
HK$128,574
baseline
▲ 0.50% · 4.625%
HK$135,351
+HK$6,777/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,148/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,924
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$131,903
−HK$4,042/mo
Today · 4.125%
HK$135,945
baseline
▲ 0.50% · 4.625%
HK$144,217
+HK$8,272/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,890/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,314
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$146,130
−HK$3,872/mo
Today · 4.125%
HK$150,002
baseline
▲ 0.50% · 4.625%
HK$157,909
+HK$7,907/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,004/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,473
−HK$10,314/mo
▼ 0.25% · 3.875%
HK$169,589
−HK$5,198/mo
Today · 4.125%
HK$174,787
baseline
▲ 0.50% · 4.625%
HK$185,422
+HK$10,635/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$349,574/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,975
−HK$9,885/mo
▼ 0.25% · 3.875%
HK$187,882
−HK$4,978/mo
Today · 4.125%
HK$192,860
baseline
▲ 0.50% · 4.625%
HK$203,026
+HK$10,166/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$385,720/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,052 · Scale 2, in force from 26 Feb 2026)