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$91,357
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,199
−HK$2,887/mo
Today · 4.125%
HK$97,086
baseline
▲ 0.50% · 4.625%
HK$102,994
+HK$5,908/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$194,172/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,634
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,360
−HK$2,765/mo
Today · 4.125%
HK$107,125
baseline
▲ 0.50% · 4.625%
HK$112,772
+HK$5,647/mo
Deposit HK$20.03M · loan HK$20.03M · min. income ≈ HK$214,250/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,629
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$113,039
−HK$3,464/mo
Today · 4.125%
HK$116,503
baseline
▲ 0.50% · 4.625%
HK$123,592
+HK$7,089/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,006/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,961
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,232
−HK$3,318/mo
Today · 4.125%
HK$128,550
baseline
▲ 0.50% · 4.625%
HK$135,326
+HK$6,776/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,100/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,900
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$131,879
−HK$4,042/mo
Today · 4.125%
HK$135,921
baseline
▲ 0.50% · 4.625%
HK$144,191
+HK$8,270/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,842/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,288
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$146,104
−HK$3,871/mo
Today · 4.125%
HK$149,975
baseline
▲ 0.50% · 4.625%
HK$157,881
+HK$7,906/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$299,950/mo (50% DSR)
Upfront cash ≈ HK$13.72M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,443
−HK$10,312/mo
▼ 0.25% · 3.875%
HK$169,558
−HK$5,197/mo
Today · 4.125%
HK$174,755
baseline
▲ 0.50% · 4.625%
HK$185,389
+HK$10,634/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$349,510/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,941
−HK$9,884/mo
▼ 0.25% · 3.875%
HK$187,848
−HK$4,977/mo
Today · 4.125%
HK$192,825
baseline
▲ 0.50% · 4.625%
HK$202,989
+HK$10,164/mo
Deposit HK$4.01M · loan HK$36.06M · min. income ≈ HK$385,650/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,702,742 · Scale 2, in force from 26 Feb 2026)