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$91,328
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,169
−HK$2,886/mo
Today · 4.125%
HK$97,055
baseline
▲ 0.50% · 4.625%
HK$102,961
+HK$5,906/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$194,110/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,602
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,326
−HK$2,765/mo
Today · 4.125%
HK$107,091
baseline
▲ 0.50% · 4.625%
HK$112,736
+HK$5,645/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$214,182/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,594
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$113,003
−HK$3,463/mo
Today · 4.125%
HK$116,466
baseline
▲ 0.50% · 4.625%
HK$123,553
+HK$7,087/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$232,932/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,922
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,192
−HK$3,317/mo
Today · 4.125%
HK$128,509
baseline
▲ 0.50% · 4.625%
HK$135,283
+HK$6,774/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$257,018/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,859
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,836
−HK$4,041/mo
Today · 4.125%
HK$135,877
baseline
▲ 0.50% · 4.625%
HK$144,145
+HK$8,268/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$271,754/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,242
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,057
−HK$3,870/mo
Today · 4.125%
HK$149,927
baseline
▲ 0.50% · 4.625%
HK$157,830
+HK$7,903/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$299,854/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,390
−HK$10,309/mo
▼ 0.25% · 3.875%
HK$169,504
−HK$5,195/mo
Today · 4.125%
HK$174,699
baseline
▲ 0.50% · 4.625%
HK$185,329
+HK$10,630/mo
Deposit HK$4.01M · loan HK$36.05M · min. income ≈ HK$349,398/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,883
−HK$9,880/mo
▼ 0.25% · 3.875%
HK$187,788
−HK$4,975/mo
Today · 4.125%
HK$192,763
baseline
▲ 0.50% · 4.625%
HK$202,924
+HK$10,161/mo
Deposit HK$4.01M · loan HK$36.05M · min. income ≈ HK$385,526/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,195 · Scale 2, in force from 26 Feb 2026)