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$91,430
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,274
−HK$2,889/mo
Today · 4.125%
HK$97,163
baseline
▲ 0.50% · 4.625%
HK$103,075
+HK$5,912/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,326/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,715
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,443
−HK$2,767/mo
Today · 4.125%
HK$107,210
baseline
▲ 0.50% · 4.625%
HK$112,861
+HK$5,651/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,420/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,716
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,128
−HK$3,468/mo
Today · 4.125%
HK$116,596
baseline
▲ 0.50% · 4.625%
HK$123,690
+HK$7,094/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,192/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,058
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,331
−HK$3,321/mo
Today · 4.125%
HK$128,652
baseline
▲ 0.50% · 4.625%
HK$135,433
+HK$6,781/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,304/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,002
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,983
−HK$4,045/mo
Today · 4.125%
HK$136,028
baseline
▲ 0.50% · 4.625%
HK$144,305
+HK$8,277/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,056/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,400
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,220
−HK$3,874/mo
Today · 4.125%
HK$150,094
baseline
▲ 0.50% · 4.625%
HK$158,006
+HK$7,912/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,188/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,573
−HK$10,321/mo
▼ 0.25% · 3.875%
HK$169,693
−HK$5,201/mo
Today · 4.125%
HK$174,894
baseline
▲ 0.50% · 4.625%
HK$185,536
+HK$10,642/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$349,788/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,086
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$187,997
−HK$4,981/mo
Today · 4.125%
HK$192,978
baseline
▲ 0.50% · 4.625%
HK$203,150
+HK$10,172/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$385,956/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,091 · Scale 2, in force from 26 Feb 2026)