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$91,897
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,756
−HK$2,904/mo
Today · 4.125%
HK$97,660
baseline
▲ 0.50% · 4.625%
HK$103,603
+HK$5,943/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$195,320/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,235
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$104,977
−HK$2,781/mo
Today · 4.125%
HK$107,758
baseline
▲ 0.50% · 4.625%
HK$113,439
+HK$5,681/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$215,516/mo (50% DSR)
Upfront cash ≈ HK$21.86M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,277
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,707
−HK$3,485/mo
Today · 4.125%
HK$117,192
baseline
▲ 0.50% · 4.625%
HK$124,323
+HK$7,131/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$234,384/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,682
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,972
−HK$3,338/mo
Today · 4.125%
HK$129,310
baseline
▲ 0.50% · 4.625%
HK$136,126
+HK$6,816/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$258,620/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,656
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$132,658
−HK$4,066/mo
Today · 4.125%
HK$136,724
baseline
▲ 0.50% · 4.625%
HK$145,044
+HK$8,320/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$273,448/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,129
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,968
−HK$3,894/mo
Today · 4.125%
HK$150,862
baseline
▲ 0.50% · 4.625%
HK$158,814
+HK$7,952/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$301,724/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,415
−HK$10,373/mo
▼ 0.25% · 3.875%
HK$170,561
−HK$5,227/mo
Today · 4.125%
HK$175,788
baseline
▲ 0.50% · 4.625%
HK$186,485
+HK$10,697/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$351,576/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,023
−HK$9,942/mo
▼ 0.25% · 3.875%
HK$188,958
−HK$5,007/mo
Today · 4.125%
HK$193,965
baseline
▲ 0.50% · 4.625%
HK$204,189
+HK$10,224/mo
Deposit HK$4.03M · loan HK$36.27M · min. income ≈ HK$387,930/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,712,809 · Scale 2, in force from 26 Feb 2026)