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$91,446
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,291
−HK$2,890/mo
Today · 4.125%
HK$97,181
baseline
▲ 0.50% · 4.625%
HK$103,094
+HK$5,913/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,362/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,733
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,462
−HK$2,768/mo
Today · 4.125%
HK$107,230
baseline
▲ 0.50% · 4.625%
HK$112,882
+HK$5,652/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,460/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,736
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,149
−HK$3,468/mo
Today · 4.125%
HK$116,617
baseline
▲ 0.50% · 4.625%
HK$123,713
+HK$7,096/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,234/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,080
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,354
−HK$3,321/mo
Today · 4.125%
HK$128,675
baseline
▲ 0.50% · 4.625%
HK$135,458
+HK$6,783/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,350/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,025
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$132,007
−HK$4,046/mo
Today · 4.125%
HK$136,053
baseline
▲ 0.50% · 4.625%
HK$144,332
+HK$8,279/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,106/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,426
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,246
−HK$3,875/mo
Today · 4.125%
HK$150,121
baseline
▲ 0.50% · 4.625%
HK$158,034
+HK$7,913/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,242/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,603
−HK$10,323/mo
▼ 0.25% · 3.875%
HK$169,724
−HK$5,202/mo
Today · 4.125%
HK$174,926
baseline
▲ 0.50% · 4.625%
HK$185,569
+HK$10,643/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$349,852/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,120
−HK$9,893/mo
▼ 0.25% · 3.875%
HK$188,031
−HK$4,982/mo
Today · 4.125%
HK$193,013
baseline
▲ 0.50% · 4.625%
HK$203,187
+HK$10,174/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$386,026/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,401 · Scale 2, in force from 26 Feb 2026)