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$93,144
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,041
−HK$2,944/mo
Today · 4.125%
HK$98,985
baseline
▲ 0.50% · 4.625%
HK$105,008
+HK$6,023/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,970/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,622
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,401
−HK$2,819/mo
Today · 4.125%
HK$109,220
baseline
▲ 0.50% · 4.625%
HK$114,977
+HK$5,757/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,440/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,773
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,250
−HK$3,532/mo
Today · 4.125%
HK$118,782
baseline
▲ 0.50% · 4.625%
HK$126,009
+HK$7,227/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$237,564/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,346
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,681
−HK$3,383/mo
Today · 4.125%
HK$131,064
baseline
▲ 0.50% · 4.625%
HK$137,973
+HK$6,909/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$262,128/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,402
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$134,458
−HK$4,121/mo
Today · 4.125%
HK$138,579
baseline
▲ 0.50% · 4.625%
HK$147,011
+HK$8,432/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,158/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,070
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$148,961
−HK$3,947/mo
Today · 4.125%
HK$152,908
baseline
▲ 0.50% · 4.625%
HK$160,968
+HK$8,060/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,816/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,659
−HK$10,514/mo
▼ 0.25% · 3.875%
HK$172,874
−HK$5,299/mo
Today · 4.125%
HK$178,173
baseline
▲ 0.50% · 4.625%
HK$189,014
+HK$10,841/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$356,346/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,519
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$191,521
−HK$5,075/mo
Today · 4.125%
HK$196,596
baseline
▲ 0.50% · 4.625%
HK$206,959
+HK$10,363/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$393,192/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,041 · Scale 2, in force from 26 Feb 2026)