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$93,340
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,244
−HK$2,950/mo
Today · 4.125%
HK$99,194
baseline
▲ 0.50% · 4.625%
HK$105,229
+HK$6,035/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,388/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,840
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,625
−HK$2,826/mo
Today · 4.125%
HK$109,451
baseline
▲ 0.50% · 4.625%
HK$115,220
+HK$5,769/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,902/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,009
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,493
−HK$3,540/mo
Today · 4.125%
HK$119,033
baseline
▲ 0.50% · 4.625%
HK$126,275
+HK$7,242/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,066/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,608
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,950
−HK$3,391/mo
Today · 4.125%
HK$131,341
baseline
▲ 0.50% · 4.625%
HK$138,264
+HK$6,923/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,682/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,677
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$134,741
−HK$4,130/mo
Today · 4.125%
HK$138,871
baseline
▲ 0.50% · 4.625%
HK$147,321
+HK$8,450/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,742/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,377
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$149,275
−HK$3,956/mo
Today · 4.125%
HK$153,231
baseline
▲ 0.50% · 4.625%
HK$161,308
+HK$8,077/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,462/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,013
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$173,239
−HK$5,310/mo
Today · 4.125%
HK$178,549
baseline
▲ 0.50% · 4.625%
HK$189,413
+HK$10,864/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$357,098/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,913
−HK$10,098/mo
▼ 0.25% · 3.875%
HK$191,926
−HK$5,085/mo
Today · 4.125%
HK$197,011
baseline
▲ 0.50% · 4.625%
HK$207,396
+HK$10,385/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$394,022/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,704 · Scale 2, in force from 26 Feb 2026)