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$93,433
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$96,339
−HK$2,953/mo
Today · 4.125%
HK$99,292
baseline
▲ 0.50% · 4.625%
HK$105,334
+HK$6,042/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,584/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,943
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,731
−HK$2,828/mo
Today · 4.125%
HK$109,559
baseline
▲ 0.50% · 4.625%
HK$115,334
+HK$5,775/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,118/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,120
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$115,607
−HK$3,544/mo
Today · 4.125%
HK$119,151
baseline
▲ 0.50% · 4.625%
HK$126,401
+HK$7,250/mo
Deposit HK$16.39M · loan HK$24.58M · min. income ≈ HK$238,302/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,732
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,077
−HK$3,394/mo
Today · 4.125%
HK$131,471
baseline
▲ 0.50% · 4.625%
HK$138,401
+HK$6,930/mo
Deposit HK$16.39M · loan HK$24.58M · min. income ≈ HK$262,942/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,806
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$134,875
−HK$4,134/mo
Today · 4.125%
HK$139,009
baseline
▲ 0.50% · 4.625%
HK$147,468
+HK$8,459/mo
Deposit HK$12.29M · loan HK$28.68M · min. income ≈ HK$278,018/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,521
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$149,424
−HK$3,959/mo
Today · 4.125%
HK$153,383
baseline
▲ 0.50% · 4.625%
HK$161,468
+HK$8,085/mo
Deposit HK$12.29M · loan HK$28.68M · min. income ≈ HK$306,766/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,180
−HK$10,546/mo
▼ 0.25% · 3.875%
HK$173,411
−HK$5,315/mo
Today · 4.125%
HK$178,726
baseline
▲ 0.50% · 4.625%
HK$189,601
+HK$10,875/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$357,452/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,098
−HK$10,109/mo
▼ 0.25% · 3.875%
HK$192,116
−HK$5,091/mo
Today · 4.125%
HK$197,207
baseline
▲ 0.50% · 4.625%
HK$207,602
+HK$10,395/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$394,414/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,431 · Scale 2, in force from 26 Feb 2026)