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$93,146
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,043
−HK$2,944/mo
Today · 4.125%
HK$98,987
baseline
▲ 0.50% · 4.625%
HK$105,010
+HK$6,023/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,974/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,624
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,403
−HK$2,820/mo
Today · 4.125%
HK$109,223
baseline
▲ 0.50% · 4.625%
HK$114,980
+HK$5,757/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,446/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,775
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$115,252
−HK$3,533/mo
Today · 4.125%
HK$118,785
baseline
▲ 0.50% · 4.625%
HK$126,012
+HK$7,227/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$237,570/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,349
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,684
−HK$3,383/mo
Today · 4.125%
HK$131,067
baseline
▲ 0.50% · 4.625%
HK$137,976
+HK$6,909/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$262,134/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,405
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$134,461
−HK$4,121/mo
Today · 4.125%
HK$138,582
baseline
▲ 0.50% · 4.625%
HK$147,014
+HK$8,432/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,164/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,074
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$148,965
−HK$3,947/mo
Today · 4.125%
HK$152,912
baseline
▲ 0.50% · 4.625%
HK$160,972
+HK$8,060/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,824/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,663
−HK$10,514/mo
▼ 0.25% · 3.875%
HK$172,878
−HK$5,299/mo
Today · 4.125%
HK$178,177
baseline
▲ 0.50% · 4.625%
HK$189,019
+HK$10,842/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$356,354/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,523
−HK$10,078/mo
▼ 0.25% · 3.875%
HK$191,526
−HK$5,075/mo
Today · 4.125%
HK$196,601
baseline
▲ 0.50% · 4.625%
HK$206,964
+HK$10,363/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$393,202/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,081 · Scale 2, in force from 26 Feb 2026)