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$93,193
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,092
−HK$2,945/mo
Today · 4.125%
HK$99,037
baseline
▲ 0.50% · 4.625%
HK$105,064
+HK$6,027/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$198,074/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,677
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,457
−HK$2,821/mo
Today · 4.125%
HK$109,278
baseline
▲ 0.50% · 4.625%
HK$115,038
+HK$5,760/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$218,556/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,832
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,311
−HK$3,534/mo
Today · 4.125%
HK$118,845
baseline
▲ 0.50% · 4.625%
HK$126,076
+HK$7,231/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$237,690/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,412
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,749
−HK$3,385/mo
Today · 4.125%
HK$131,134
baseline
▲ 0.50% · 4.625%
HK$138,046
+HK$6,912/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$262,268/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,471
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$134,529
−HK$4,123/mo
Today · 4.125%
HK$138,652
baseline
▲ 0.50% · 4.625%
HK$147,089
+HK$8,437/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$277,304/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,147
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$149,040
−HK$3,949/mo
Today · 4.125%
HK$152,989
baseline
▲ 0.50% · 4.625%
HK$161,053
+HK$8,064/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$305,978/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,748
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$172,966
−HK$5,301/mo
Today · 4.125%
HK$178,267
baseline
▲ 0.50% · 4.625%
HK$189,114
+HK$10,847/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$356,534/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,618
−HK$10,082/mo
▼ 0.25% · 3.875%
HK$191,623
−HK$5,077/mo
Today · 4.125%
HK$196,700
baseline
▲ 0.50% · 4.625%
HK$207,069
+HK$10,369/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$393,400/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,961 · Scale 2, in force from 26 Feb 2026)