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$91,334
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,175
−HK$2,887/mo
Today · 4.125%
HK$97,062
baseline
▲ 0.50% · 4.625%
HK$102,968
+HK$5,906/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$194,124/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,609
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,334
−HK$2,764/mo
Today · 4.125%
HK$107,098
baseline
▲ 0.50% · 4.625%
HK$112,743
+HK$5,645/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$214,196/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,601
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,011
−HK$3,463/mo
Today · 4.125%
HK$116,474
baseline
▲ 0.50% · 4.625%
HK$123,561
+HK$7,087/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$232,948/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,930
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$125,200
−HK$3,318/mo
Today · 4.125%
HK$128,518
baseline
▲ 0.50% · 4.625%
HK$135,292
+HK$6,774/mo
Deposit HK$16.02M · loan HK$24.03M · min. income ≈ HK$257,036/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,868
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,846
−HK$4,041/mo
Today · 4.125%
HK$135,887
baseline
▲ 0.50% · 4.625%
HK$144,155
+HK$8,268/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$271,774/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,252
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,067
−HK$3,870/mo
Today · 4.125%
HK$149,937
baseline
▲ 0.50% · 4.625%
HK$157,841
+HK$7,904/mo
Deposit HK$12.02M · loan HK$28.04M · min. income ≈ HK$299,874/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,402
−HK$10,309/mo
▼ 0.25% · 3.875%
HK$169,516
−HK$5,195/mo
Today · 4.125%
HK$174,711
baseline
▲ 0.50% · 4.625%
HK$185,342
+HK$10,631/mo
Deposit HK$4.01M · loan HK$36.05M · min. income ≈ HK$349,422/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,895
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$187,801
−HK$4,976/mo
Today · 4.125%
HK$192,777
baseline
▲ 0.50% · 4.625%
HK$202,938
+HK$10,161/mo
Deposit HK$4.01M · loan HK$36.05M · min. income ≈ HK$385,554/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,314 · Scale 2, in force from 26 Feb 2026)