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$91,264
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,102
−HK$2,885/mo
Today · 4.125%
HK$96,987
baseline
▲ 0.50% · 4.625%
HK$102,888
+HK$5,901/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,974/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,530
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,253
−HK$2,762/mo
Today · 4.125%
HK$107,015
baseline
▲ 0.50% · 4.625%
HK$112,656
+HK$5,641/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$214,030/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,516
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,923
−HK$3,461/mo
Today · 4.125%
HK$116,384
baseline
▲ 0.50% · 4.625%
HK$123,466
+HK$7,082/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$232,768/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,836
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,103
−HK$3,315/mo
Today · 4.125%
HK$128,418
baseline
▲ 0.50% · 4.625%
HK$135,187
+HK$6,769/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$256,836/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,769
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,743
−HK$4,038/mo
Today · 4.125%
HK$135,781
baseline
▲ 0.50% · 4.625%
HK$144,043
+HK$8,262/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,562/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,142
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,954
−HK$3,867/mo
Today · 4.125%
HK$149,821
baseline
▲ 0.50% · 4.625%
HK$157,718
+HK$7,897/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,642/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,274
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$169,384
−HK$5,192/mo
Today · 4.125%
HK$174,576
baseline
▲ 0.50% · 4.625%
HK$185,198
+HK$10,622/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$349,152/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,754
−HK$9,873/mo
▼ 0.25% · 3.875%
HK$187,655
−HK$4,972/mo
Today · 4.125%
HK$192,627
baseline
▲ 0.50% · 4.625%
HK$202,781
+HK$10,154/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$385,254/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,993 · Scale 2, in force from 26 Feb 2026)