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$93,313
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,216
−HK$2,949/mo
Today · 4.125%
HK$99,165
baseline
▲ 0.50% · 4.625%
HK$105,199
+HK$6,034/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$198,330/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,810
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,594
−HK$2,825/mo
Today · 4.125%
HK$109,419
baseline
▲ 0.50% · 4.625%
HK$115,186
+HK$5,767/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$218,838/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,976
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,459
−HK$3,539/mo
Today · 4.125%
HK$118,998
baseline
▲ 0.50% · 4.625%
HK$126,239
+HK$7,241/mo
Deposit HK$16.37M · loan HK$24.55M · min. income ≈ HK$237,996/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,572
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,913
−HK$3,390/mo
Today · 4.125%
HK$131,303
baseline
▲ 0.50% · 4.625%
HK$138,224
+HK$6,921/mo
Deposit HK$16.37M · loan HK$24.55M · min. income ≈ HK$262,606/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,639
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,702
−HK$4,129/mo
Today · 4.125%
HK$138,831
baseline
▲ 0.50% · 4.625%
HK$147,279
+HK$8,448/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,662/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,334
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$149,232
−HK$3,954/mo
Today · 4.125%
HK$153,186
baseline
▲ 0.50% · 4.625%
HK$161,261
+HK$8,075/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,372/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,964
−HK$10,533/mo
▼ 0.25% · 3.875%
HK$173,189
−HK$5,308/mo
Today · 4.125%
HK$178,497
baseline
▲ 0.50% · 4.625%
HK$189,358
+HK$10,861/mo
Deposit HK$4.09M · loan HK$36.83M · min. income ≈ HK$356,994/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,858
−HK$10,096/mo
▼ 0.25% · 3.875%
HK$191,870
−HK$5,084/mo
Today · 4.125%
HK$196,954
baseline
▲ 0.50% · 4.625%
HK$207,335
+HK$10,381/mo
Deposit HK$4.09M · loan HK$36.83M · min. income ≈ HK$393,908/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,199 · Scale 2, in force from 26 Feb 2026)