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$93,092
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,988
−HK$2,942/mo
Today · 4.125%
HK$98,930
baseline
▲ 0.50% · 4.625%
HK$104,949
+HK$6,019/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$197,860/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,564
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,341
−HK$2,818/mo
Today · 4.125%
HK$109,159
baseline
▲ 0.50% · 4.625%
HK$114,913
+HK$5,754/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$218,318/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,710
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,185
−HK$3,530/mo
Today · 4.125%
HK$118,715
baseline
▲ 0.50% · 4.625%
HK$125,939
+HK$7,224/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$237,430/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,277
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,610
−HK$3,381/mo
Today · 4.125%
HK$130,991
baseline
▲ 0.50% · 4.625%
HK$137,896
+HK$6,905/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$261,982/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,329
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$134,383
−HK$4,118/mo
Today · 4.125%
HK$138,501
baseline
▲ 0.50% · 4.625%
HK$146,929
+HK$8,428/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$277,002/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,989
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$148,878
−HK$3,945/mo
Today · 4.125%
HK$152,823
baseline
▲ 0.50% · 4.625%
HK$160,878
+HK$8,055/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$305,646/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,565
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$172,778
−HK$5,295/mo
Today · 4.125%
HK$178,073
baseline
▲ 0.50% · 4.625%
HK$188,909
+HK$10,836/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$356,146/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,415
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$191,414
−HK$5,072/mo
Today · 4.125%
HK$196,486
baseline
▲ 0.50% · 4.625%
HK$206,843
+HK$10,357/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$392,972/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,071 · Scale 2, in force from 26 Feb 2026)