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$91,420
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,264
−HK$2,889/mo
Today · 4.125%
HK$97,153
baseline
▲ 0.50% · 4.625%
HK$103,064
+HK$5,911/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$194,306/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,704
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,431
−HK$2,767/mo
Today · 4.125%
HK$107,198
baseline
▲ 0.50% · 4.625%
HK$112,849
+HK$5,651/mo
Deposit HK$20.05M · loan HK$20.05M · min. income ≈ HK$214,396/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,704
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,116
−HK$3,467/mo
Today · 4.125%
HK$116,583
baseline
▲ 0.50% · 4.625%
HK$123,677
+HK$7,094/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$233,166/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,044
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,318
−HK$3,320/mo
Today · 4.125%
HK$128,638
baseline
▲ 0.50% · 4.625%
HK$135,419
+HK$6,781/mo
Deposit HK$16.04M · loan HK$24.06M · min. income ≈ HK$257,276/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,988
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,969
−HK$4,045/mo
Today · 4.125%
HK$136,014
baseline
▲ 0.50% · 4.625%
HK$144,290
+HK$8,276/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$272,028/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,385
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,204
−HK$3,874/mo
Today · 4.125%
HK$150,078
baseline
▲ 0.50% · 4.625%
HK$157,989
+HK$7,911/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,156/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,556
−HK$10,319/mo
▼ 0.25% · 3.875%
HK$169,674
−HK$5,201/mo
Today · 4.125%
HK$174,875
baseline
▲ 0.50% · 4.625%
HK$185,516
+HK$10,641/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,750/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,067
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$187,976
−HK$4,981/mo
Today · 4.125%
HK$192,957
baseline
▲ 0.50% · 4.625%
HK$203,128
+HK$10,171/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,914/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,908 · Scale 2, in force from 26 Feb 2026)