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$93,137
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,034
−HK$2,943/mo
Today · 4.125%
HK$98,977
baseline
▲ 0.50% · 4.625%
HK$105,000
+HK$6,023/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,954/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,614
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,392
−HK$2,819/mo
Today · 4.125%
HK$109,211
baseline
▲ 0.50% · 4.625%
HK$114,968
+HK$5,757/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,422/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,764
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,240
−HK$3,532/mo
Today · 4.125%
HK$118,772
baseline
▲ 0.50% · 4.625%
HK$126,000
+HK$7,228/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$237,544/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,336
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,671
−HK$3,383/mo
Today · 4.125%
HK$131,054
baseline
▲ 0.50% · 4.625%
HK$137,962
+HK$6,908/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$262,108/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,391
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$134,447
−HK$4,121/mo
Today · 4.125%
HK$138,568
baseline
▲ 0.50% · 4.625%
HK$146,999
+HK$8,431/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,136/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,059
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$148,949
−HK$3,947/mo
Today · 4.125%
HK$152,896
baseline
▲ 0.50% · 4.625%
HK$160,955
+HK$8,059/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,792/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,646
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$172,861
−HK$5,298/mo
Today · 4.125%
HK$178,159
baseline
▲ 0.50% · 4.625%
HK$188,999
+HK$10,840/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$356,318/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,504
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$191,506
−HK$5,075/mo
Today · 4.125%
HK$196,581
baseline
▲ 0.50% · 4.625%
HK$206,943
+HK$10,362/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$393,162/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,904 · Scale 2, in force from 26 Feb 2026)