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$93,275
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,176
−HK$2,948/mo
Today · 4.125%
HK$99,124
baseline
▲ 0.50% · 4.625%
HK$105,156
+HK$6,032/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,248/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,767
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,550
−HK$2,824/mo
Today · 4.125%
HK$109,374
baseline
▲ 0.50% · 4.625%
HK$115,139
+HK$5,765/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,748/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,930
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,412
−HK$3,537/mo
Today · 4.125%
HK$118,949
baseline
▲ 0.50% · 4.625%
HK$126,187
+HK$7,238/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$237,898/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,521
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,860
−HK$3,388/mo
Today · 4.125%
HK$131,248
baseline
▲ 0.50% · 4.625%
HK$138,167
+HK$6,919/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$262,496/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,585
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$134,647
−HK$4,127/mo
Today · 4.125%
HK$138,774
baseline
▲ 0.50% · 4.625%
HK$147,218
+HK$8,444/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$277,548/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,274
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,171
−HK$3,952/mo
Today · 4.125%
HK$153,123
baseline
▲ 0.50% · 4.625%
HK$161,194
+HK$8,071/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$306,246/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,895
−HK$10,528/mo
▼ 0.25% · 3.875%
HK$173,117
−HK$5,306/mo
Today · 4.125%
HK$178,423
baseline
▲ 0.50% · 4.625%
HK$189,280
+HK$10,857/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$356,846/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,781
−HK$10,091/mo
▼ 0.25% · 3.875%
HK$191,791
−HK$5,081/mo
Today · 4.125%
HK$196,872
baseline
▲ 0.50% · 4.625%
HK$207,250
+HK$10,378/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$393,744/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,481 · Scale 2, in force from 26 Feb 2026)