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$5,734/mo
▼ 0.25% · 3.875%
HK$94,290
−HK$2,890/mo
Today · 4.125%
HK$97,180
baseline
▲ 0.50% · 4.625%
HK$103,093
+HK$5,913/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,360/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,732
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,461
−HK$2,768/mo
Today · 4.125%
HK$107,229
baseline
▲ 0.50% · 4.625%
HK$112,881
+HK$5,652/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,458/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,735
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,148
−HK$3,468/mo
Today · 4.125%
HK$116,616
baseline
▲ 0.50% · 4.625%
HK$123,712
+HK$7,096/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,232/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,079
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,353
−HK$3,321/mo
Today · 4.125%
HK$128,674
baseline
▲ 0.50% · 4.625%
HK$135,457
+HK$6,783/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,348/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,024
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$132,006
−HK$4,046/mo
Today · 4.125%
HK$136,052
baseline
▲ 0.50% · 4.625%
HK$144,331
+HK$8,279/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$272,104/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,425
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,245
−HK$3,875/mo
Today · 4.125%
HK$150,120
baseline
▲ 0.50% · 4.625%
HK$158,033
+HK$7,913/mo
Deposit HK$12.03M · loan HK$28.07M · min. income ≈ HK$300,240/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,602
−HK$10,322/mo
▼ 0.25% · 3.875%
HK$169,722
−HK$5,202/mo
Today · 4.125%
HK$174,924
baseline
▲ 0.50% · 4.625%
HK$185,568
+HK$10,644/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$349,848/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,118
−HK$9,894/mo
▼ 0.25% · 3.875%
HK$188,029
−HK$4,983/mo
Today · 4.125%
HK$193,012
baseline
▲ 0.50% · 4.625%
HK$203,185
+HK$10,173/mo
Deposit HK$4.01M · loan HK$36.09M · min. income ≈ HK$386,024/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,704,387 · Scale 2, in force from 26 Feb 2026)