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$94,055
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,981
−HK$2,972/mo
Today · 4.125%
HK$99,953
baseline
▲ 0.50% · 4.625%
HK$106,035
+HK$6,082/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,906/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,636
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,442
−HK$2,847/mo
Today · 4.125%
HK$110,289
baseline
▲ 0.50% · 4.625%
HK$116,102
+HK$5,813/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,578/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,866
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,377
−HK$3,567/mo
Today · 4.125%
HK$119,944
baseline
▲ 0.50% · 4.625%
HK$127,242
+HK$7,298/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$239,888/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,563
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,930
−HK$3,416/mo
Today · 4.125%
HK$132,346
baseline
▲ 0.50% · 4.625%
HK$139,323
+HK$6,977/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$264,692/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,677
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,773
−HK$4,162/mo
Today · 4.125%
HK$139,935
baseline
▲ 0.50% · 4.625%
HK$148,449
+HK$8,514/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$279,870/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,490
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,419
−HK$3,985/mo
Today · 4.125%
HK$154,404
baseline
▲ 0.50% · 4.625%
HK$162,543
+HK$8,139/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$308,808/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,299
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$174,566
−HK$5,350/mo
Today · 4.125%
HK$179,916
baseline
▲ 0.50% · 4.625%
HK$190,863
+HK$10,947/mo
Deposit HK$4.12M · loan HK$37.12M · min. income ≈ HK$359,832/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,344
−HK$10,176/mo
▼ 0.25% · 3.875%
HK$193,395
−HK$5,125/mo
Today · 4.125%
HK$198,520
baseline
▲ 0.50% · 4.625%
HK$208,984
+HK$10,464/mo
Deposit HK$4.12M · loan HK$37.12M · min. income ≈ HK$397,040/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,026 · Scale 2, in force from 26 Feb 2026)