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$93,327
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$96,230
−HK$2,949/mo
Today · 4.125%
HK$99,179
baseline
▲ 0.50% · 4.625%
HK$105,214
+HK$6,035/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$198,358/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,825
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$106,609
−HK$2,825/mo
Today · 4.125%
HK$109,434
baseline
▲ 0.50% · 4.625%
HK$115,203
+HK$5,769/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$218,868/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,992
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,476
−HK$3,539/mo
Today · 4.125%
HK$119,015
baseline
▲ 0.50% · 4.625%
HK$126,257
+HK$7,242/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,030/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,590
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,931
−HK$3,390/mo
Today · 4.125%
HK$131,321
baseline
▲ 0.50% · 4.625%
HK$138,243
+HK$6,922/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,642/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,657
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$134,721
−HK$4,130/mo
Today · 4.125%
HK$138,851
baseline
▲ 0.50% · 4.625%
HK$147,299
+HK$8,448/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,702/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,355
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$149,253
−HK$3,955/mo
Today · 4.125%
HK$153,208
baseline
▲ 0.50% · 4.625%
HK$161,284
+HK$8,076/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,416/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,988
−HK$10,534/mo
▼ 0.25% · 3.875%
HK$173,213
−HK$5,309/mo
Today · 4.125%
HK$178,522
baseline
▲ 0.50% · 4.625%
HK$189,385
+HK$10,863/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$357,044/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,885
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$191,897
−HK$5,085/mo
Today · 4.125%
HK$196,982
baseline
▲ 0.50% · 4.625%
HK$207,365
+HK$10,383/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$393,964/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,446 · Scale 2, in force from 26 Feb 2026)