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$93,368
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,272
−HK$2,951/mo
Today · 4.125%
HK$99,223
baseline
▲ 0.50% · 4.625%
HK$105,260
+HK$6,037/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,446/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,871
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,657
−HK$2,826/mo
Today · 4.125%
HK$109,483
baseline
▲ 0.50% · 4.625%
HK$115,254
+HK$5,771/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,966/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,042
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,527
−HK$3,541/mo
Today · 4.125%
HK$119,068
baseline
▲ 0.50% · 4.625%
HK$126,313
+HK$7,245/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$238,136/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,645
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,988
−HK$3,391/mo
Today · 4.125%
HK$131,379
baseline
▲ 0.50% · 4.625%
HK$138,305
+HK$6,926/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$262,758/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,715
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,781
−HK$4,131/mo
Today · 4.125%
HK$138,912
baseline
▲ 0.50% · 4.625%
HK$147,365
+HK$8,453/mo
Deposit HK$12.28M · loan HK$28.66M · min. income ≈ HK$277,824/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,419
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,319
−HK$3,957/mo
Today · 4.125%
HK$153,276
baseline
▲ 0.50% · 4.625%
HK$161,355
+HK$8,079/mo
Deposit HK$12.28M · loan HK$28.66M · min. income ≈ HK$306,552/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,062
−HK$10,539/mo
▼ 0.25% · 3.875%
HK$173,290
−HK$5,311/mo
Today · 4.125%
HK$178,601
baseline
▲ 0.50% · 4.625%
HK$189,469
+HK$10,868/mo
Deposit HK$4.09M · loan HK$36.85M · min. income ≈ HK$357,202/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,968
−HK$10,101/mo
▼ 0.25% · 3.875%
HK$191,982
−HK$5,087/mo
Today · 4.125%
HK$197,069
baseline
▲ 0.50% · 4.625%
HK$207,457
+HK$10,388/mo
Deposit HK$4.09M · loan HK$36.85M · min. income ≈ HK$394,138/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,740,217 · Scale 2, in force from 26 Feb 2026)