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$93,381
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,286
−HK$2,951/mo
Today · 4.125%
HK$99,237
baseline
▲ 0.50% · 4.625%
HK$105,276
+HK$6,039/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$198,474/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,886
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$106,672
−HK$2,826/mo
Today · 4.125%
HK$109,498
baseline
▲ 0.50% · 4.625%
HK$115,270
+HK$5,772/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$218,996/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,058
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,543
−HK$3,542/mo
Today · 4.125%
HK$119,085
baseline
▲ 0.50% · 4.625%
HK$126,331
+HK$7,246/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$238,170/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,663
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,006
−HK$3,392/mo
Today · 4.125%
HK$131,398
baseline
▲ 0.50% · 4.625%
HK$138,324
+HK$6,926/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$262,796/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,734
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$134,801
−HK$4,131/mo
Today · 4.125%
HK$138,932
baseline
▲ 0.50% · 4.625%
HK$147,386
+HK$8,454/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$277,864/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,440
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,341
−HK$3,957/mo
Today · 4.125%
HK$153,298
baseline
▲ 0.50% · 4.625%
HK$161,378
+HK$8,080/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$306,596/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,086
−HK$10,541/mo
▼ 0.25% · 3.875%
HK$173,315
−HK$5,312/mo
Today · 4.125%
HK$178,627
baseline
▲ 0.50% · 4.625%
HK$189,496
+HK$10,869/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$357,254/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,995
−HK$10,102/mo
▼ 0.25% · 3.875%
HK$192,010
−HK$5,087/mo
Today · 4.125%
HK$197,097
baseline
▲ 0.50% · 4.625%
HK$207,487
+HK$10,390/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$394,194/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,466 · Scale 2, in force from 26 Feb 2026)