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$91,262
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,101
−HK$2,884/mo
Today · 4.125%
HK$96,985
baseline
▲ 0.50% · 4.625%
HK$102,887
+HK$5,902/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,970/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,528
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,251
−HK$2,763/mo
Today · 4.125%
HK$107,014
baseline
▲ 0.50% · 4.625%
HK$112,655
+HK$5,641/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$214,028/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,515
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$112,921
−HK$3,461/mo
Today · 4.125%
HK$116,382
baseline
▲ 0.50% · 4.625%
HK$123,464
+HK$7,082/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$232,764/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,834
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$125,102
−HK$3,314/mo
Today · 4.125%
HK$128,416
baseline
▲ 0.50% · 4.625%
HK$135,185
+HK$6,769/mo
Deposit HK$16.01M · loan HK$24.01M · min. income ≈ HK$256,832/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,767
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,742
−HK$4,037/mo
Today · 4.125%
HK$135,779
baseline
▲ 0.50% · 4.625%
HK$144,041
+HK$8,262/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,558/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,140
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,952
−HK$3,867/mo
Today · 4.125%
HK$149,819
baseline
▲ 0.50% · 4.625%
HK$157,716
+HK$7,897/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,638/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,272
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$169,382
−HK$5,192/mo
Today · 4.125%
HK$174,574
baseline
▲ 0.50% · 4.625%
HK$185,196
+HK$10,622/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$349,148/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,751
−HK$9,874/mo
▼ 0.25% · 3.875%
HK$187,652
−HK$4,973/mo
Today · 4.125%
HK$192,625
baseline
▲ 0.50% · 4.625%
HK$202,778
+HK$10,153/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$385,250/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,700,971 · Scale 2, in force from 26 Feb 2026)