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$91,290
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,129
−HK$2,885/mo
Today · 4.125%
HK$97,014
baseline
▲ 0.50% · 4.625%
HK$102,917
+HK$5,903/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$194,028/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,559
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,282
−HK$2,764/mo
Today · 4.125%
HK$107,046
baseline
▲ 0.50% · 4.625%
HK$112,688
+HK$5,642/mo
Deposit HK$20.02M · loan HK$20.02M · min. income ≈ HK$214,092/mo (50% DSR)
Upfront cash ≈ HK$21.72M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,547
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,955
−HK$3,462/mo
Today · 4.125%
HK$116,417
baseline
▲ 0.50% · 4.625%
HK$123,501
+HK$7,084/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$232,834/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,870
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,139
−HK$3,316/mo
Today · 4.125%
HK$128,455
baseline
▲ 0.50% · 4.625%
HK$135,226
+HK$6,771/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$256,910/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,805
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,781
−HK$4,039/mo
Today · 4.125%
HK$135,820
baseline
▲ 0.50% · 4.625%
HK$144,084
+HK$8,264/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,640/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,182
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$145,995
−HK$3,869/mo
Today · 4.125%
HK$149,864
baseline
▲ 0.50% · 4.625%
HK$157,763
+HK$7,899/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,728/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,321
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$169,432
−HK$5,194/mo
Today · 4.125%
HK$174,626
baseline
▲ 0.50% · 4.625%
HK$185,251
+HK$10,625/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$349,252/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,806
−HK$9,876/mo
▼ 0.25% · 3.875%
HK$187,708
−HK$4,974/mo
Today · 4.125%
HK$192,682
baseline
▲ 0.50% · 4.625%
HK$202,839
+HK$10,157/mo
Deposit HK$4.00M · loan HK$36.03M · min. income ≈ HK$385,364/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,478 · Scale 2, in force from 26 Feb 2026)