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$91,387
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,230
−HK$2,888/mo
Today · 4.125%
HK$97,118
baseline
▲ 0.50% · 4.625%
HK$103,027
+HK$5,909/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,236/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,667
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,394
−HK$2,766/mo
Today · 4.125%
HK$107,160
baseline
▲ 0.50% · 4.625%
HK$112,809
+HK$5,649/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,320/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,665
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,076
−HK$3,466/mo
Today · 4.125%
HK$116,542
baseline
▲ 0.50% · 4.625%
HK$123,633
+HK$7,091/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$233,084/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,001
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,273
−HK$3,319/mo
Today · 4.125%
HK$128,592
baseline
▲ 0.50% · 4.625%
HK$135,371
+HK$6,779/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$257,184/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,942
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,922
−HK$4,043/mo
Today · 4.125%
HK$135,965
baseline
▲ 0.50% · 4.625%
HK$144,238
+HK$8,273/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,930/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,334
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,152
−HK$3,872/mo
Today · 4.125%
HK$150,024
baseline
▲ 0.50% · 4.625%
HK$157,932
+HK$7,908/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,048/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,497
−HK$10,316/mo
▼ 0.25% · 3.875%
HK$169,614
−HK$5,199/mo
Today · 4.125%
HK$174,813
baseline
▲ 0.50% · 4.625%
HK$185,449
+HK$10,636/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$349,626/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,001
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$187,909
−HK$4,979/mo
Today · 4.125%
HK$192,888
baseline
▲ 0.50% · 4.625%
HK$203,056
+HK$10,168/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$385,776/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,300 · Scale 2, in force from 26 Feb 2026)