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$93,518
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,427
−HK$2,956/mo
Today · 4.125%
HK$99,383
baseline
▲ 0.50% · 4.625%
HK$105,430
+HK$6,047/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$198,766/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,038
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,828
−HK$2,831/mo
Today · 4.125%
HK$109,659
baseline
▲ 0.50% · 4.625%
HK$115,439
+HK$5,780/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$219,318/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,222
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,712
−HK$3,547/mo
Today · 4.125%
HK$119,259
baseline
▲ 0.50% · 4.625%
HK$126,516
+HK$7,257/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$238,518/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,846
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,194
−HK$3,397/mo
Today · 4.125%
HK$131,591
baseline
▲ 0.50% · 4.625%
HK$138,527
+HK$6,936/mo
Deposit HK$16.40M · loan HK$24.61M · min. income ≈ HK$263,182/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,925
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$134,998
−HK$4,138/mo
Today · 4.125%
HK$139,136
baseline
▲ 0.50% · 4.625%
HK$147,602
+HK$8,466/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$278,272/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,653
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,560
−HK$3,962/mo
Today · 4.125%
HK$153,522
baseline
▲ 0.50% · 4.625%
HK$161,615
+HK$8,093/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$307,044/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,333
−HK$10,556/mo
▼ 0.25% · 3.875%
HK$173,569
−HK$5,320/mo
Today · 4.125%
HK$178,889
baseline
▲ 0.50% · 4.625%
HK$189,774
+HK$10,885/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$357,778/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,268
−HK$10,118/mo
▼ 0.25% · 3.875%
HK$192,291
−HK$5,095/mo
Today · 4.125%
HK$197,386
baseline
▲ 0.50% · 4.625%
HK$207,790
+HK$10,404/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$394,772/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,743,015 · Scale 2, in force from 26 Feb 2026)