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$94,040
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,965
−HK$2,972/mo
Today · 4.125%
HK$99,937
baseline
▲ 0.50% · 4.625%
HK$106,018
+HK$6,081/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,874/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,618
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,424
−HK$2,847/mo
Today · 4.125%
HK$110,271
baseline
▲ 0.50% · 4.625%
HK$116,083
+HK$5,812/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,542/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,848
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,358
−HK$3,566/mo
Today · 4.125%
HK$119,924
baseline
▲ 0.50% · 4.625%
HK$127,222
+HK$7,298/mo
Deposit HK$16.50M · loan HK$24.74M · min. income ≈ HK$239,848/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,542
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,909
−HK$3,416/mo
Today · 4.125%
HK$132,325
baseline
▲ 0.50% · 4.625%
HK$139,300
+HK$6,975/mo
Deposit HK$16.50M · loan HK$24.74M · min. income ≈ HK$264,650/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,656
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$135,751
−HK$4,161/mo
Today · 4.125%
HK$139,912
baseline
▲ 0.50% · 4.625%
HK$148,425
+HK$8,513/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$279,824/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,466
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,394
−HK$3,985/mo
Today · 4.125%
HK$154,379
baseline
▲ 0.50% · 4.625%
HK$162,516
+HK$8,137/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$308,758/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,272
−HK$10,615/mo
▼ 0.25% · 3.875%
HK$174,537
−HK$5,350/mo
Today · 4.125%
HK$179,887
baseline
▲ 0.50% · 4.625%
HK$190,832
+HK$10,945/mo
Deposit HK$4.12M · loan HK$37.12M · min. income ≈ HK$359,774/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,313
−HK$10,174/mo
▼ 0.25% · 3.875%
HK$193,364
−HK$5,123/mo
Today · 4.125%
HK$198,487
baseline
▲ 0.50% · 4.625%
HK$208,950
+HK$10,463/mo
Deposit HK$4.12M · loan HK$37.12M · min. income ≈ HK$396,974/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,740 · Scale 2, in force from 26 Feb 2026)