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$93,328
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,231
−HK$2,949/mo
Today · 4.125%
HK$99,180
baseline
▲ 0.50% · 4.625%
HK$105,215
+HK$6,035/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$198,360/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,826
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,611
−HK$2,825/mo
Today · 4.125%
HK$109,436
baseline
▲ 0.50% · 4.625%
HK$115,204
+HK$5,768/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$218,872/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,994
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,477
−HK$3,540/mo
Today · 4.125%
HK$119,017
baseline
▲ 0.50% · 4.625%
HK$126,258
+HK$7,241/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,034/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,592
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,933
−HK$3,390/mo
Today · 4.125%
HK$131,323
baseline
▲ 0.50% · 4.625%
HK$138,245
+HK$6,922/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,646/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,659
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$134,723
−HK$4,130/mo
Today · 4.125%
HK$138,853
baseline
▲ 0.50% · 4.625%
HK$147,302
+HK$8,449/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,706/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,357
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$149,255
−HK$3,955/mo
Today · 4.125%
HK$153,210
baseline
▲ 0.50% · 4.625%
HK$161,286
+HK$8,076/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,420/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,990
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$173,216
−HK$5,309/mo
Today · 4.125%
HK$178,525
baseline
▲ 0.50% · 4.625%
HK$189,388
+HK$10,863/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$357,050/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,888
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$191,900
−HK$5,085/mo
Today · 4.125%
HK$196,985
baseline
▲ 0.50% · 4.625%
HK$207,368
+HK$10,383/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$393,970/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,471 · Scale 2, in force from 26 Feb 2026)