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$93,526
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,435
−HK$2,955/mo
Today · 4.125%
HK$99,390
baseline
▲ 0.50% · 4.625%
HK$105,438
+HK$6,048/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$198,780/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,046
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,837
−HK$2,830/mo
Today · 4.125%
HK$109,667
baseline
▲ 0.50% · 4.625%
HK$115,448
+HK$5,781/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$219,334/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,231
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,722
−HK$3,546/mo
Today · 4.125%
HK$119,268
baseline
▲ 0.50% · 4.625%
HK$126,526
+HK$7,258/mo
Deposit HK$16.41M · loan HK$24.61M · min. income ≈ HK$238,536/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,855
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,204
−HK$3,397/mo
Today · 4.125%
HK$131,601
baseline
▲ 0.50% · 4.625%
HK$138,538
+HK$6,937/mo
Deposit HK$16.41M · loan HK$24.61M · min. income ≈ HK$263,202/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,936
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$135,009
−HK$4,138/mo
Today · 4.125%
HK$139,147
baseline
▲ 0.50% · 4.625%
HK$147,613
+HK$8,466/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$278,294/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,665
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,571
−HK$3,963/mo
Today · 4.125%
HK$153,534
baseline
▲ 0.50% · 4.625%
HK$161,627
+HK$8,093/mo
Deposit HK$12.30M · loan HK$28.71M · min. income ≈ HK$307,068/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,346
−HK$10,557/mo
▼ 0.25% · 3.875%
HK$173,582
−HK$5,321/mo
Today · 4.125%
HK$178,903
baseline
▲ 0.50% · 4.625%
HK$189,788
+HK$10,885/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$357,806/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,283
−HK$10,118/mo
▼ 0.25% · 3.875%
HK$192,306
−HK$5,095/mo
Today · 4.125%
HK$197,401
baseline
▲ 0.50% · 4.625%
HK$207,807
+HK$10,406/mo
Deposit HK$4.10M · loan HK$36.91M · min. income ≈ HK$394,802/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,743,153 · Scale 2, in force from 26 Feb 2026)