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$93,052
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,947
−HK$2,941/mo
Today · 4.125%
HK$98,888
baseline
▲ 0.50% · 4.625%
HK$104,905
+HK$6,017/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,776/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,520
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,296
−HK$2,817/mo
Today · 4.125%
HK$109,113
baseline
▲ 0.50% · 4.625%
HK$114,864
+HK$5,751/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,226/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,663
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,136
−HK$3,529/mo
Today · 4.125%
HK$118,665
baseline
▲ 0.50% · 4.625%
HK$125,886
+HK$7,221/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,330/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,224
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$127,555
−HK$3,380/mo
Today · 4.125%
HK$130,935
baseline
▲ 0.50% · 4.625%
HK$137,837
+HK$6,902/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,870/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,273
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$134,326
−HK$4,117/mo
Today · 4.125%
HK$138,443
baseline
▲ 0.50% · 4.625%
HK$146,866
+HK$8,423/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$276,886/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,928
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$148,815
−HK$3,943/mo
Today · 4.125%
HK$152,758
baseline
▲ 0.50% · 4.625%
HK$160,810
+HK$8,052/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$305,516/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,494
−HK$10,504/mo
▼ 0.25% · 3.875%
HK$172,704
−HK$5,294/mo
Today · 4.125%
HK$177,998
baseline
▲ 0.50% · 4.625%
HK$188,828
+HK$10,830/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$355,996/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,336
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$191,333
−HK$5,070/mo
Today · 4.125%
HK$196,403
baseline
▲ 0.50% · 4.625%
HK$206,755
+HK$10,352/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$392,806/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,334 · Scale 2, in force from 26 Feb 2026)