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$93,515
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,424
−HK$2,955/mo
Today · 4.125%
HK$99,379
baseline
▲ 0.50% · 4.625%
HK$105,426
+HK$6,047/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$198,758/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,035
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$106,825
−HK$2,830/mo
Today · 4.125%
HK$109,655
baseline
▲ 0.50% · 4.625%
HK$115,435
+HK$5,780/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$219,310/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,218
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,709
−HK$3,546/mo
Today · 4.125%
HK$119,255
baseline
▲ 0.50% · 4.625%
HK$126,511
+HK$7,256/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$238,510/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,841
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,190
−HK$3,396/mo
Today · 4.125%
HK$131,586
baseline
▲ 0.50% · 4.625%
HK$138,522
+HK$6,936/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$263,172/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,921
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,993
−HK$4,138/mo
Today · 4.125%
HK$139,131
baseline
▲ 0.50% · 4.625%
HK$147,597
+HK$8,466/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$278,262/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,648
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,555
−HK$3,962/mo
Today · 4.125%
HK$153,517
baseline
▲ 0.50% · 4.625%
HK$161,609
+HK$8,092/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$307,034/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,327
−HK$10,556/mo
▼ 0.25% · 3.875%
HK$173,563
−HK$5,320/mo
Today · 4.125%
HK$178,883
baseline
▲ 0.50% · 4.625%
HK$189,767
+HK$10,884/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$357,766/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,262
−HK$10,117/mo
▼ 0.25% · 3.875%
HK$192,284
−HK$5,095/mo
Today · 4.125%
HK$197,379
baseline
▲ 0.50% · 4.625%
HK$207,783
+HK$10,404/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$394,758/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,957 · Scale 2, in force from 26 Feb 2026)