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$93,951
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,874
−HK$2,969/mo
Today · 4.125%
HK$99,843
baseline
▲ 0.50% · 4.625%
HK$105,918
+HK$6,075/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,686/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,520
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,323
−HK$2,844/mo
Today · 4.125%
HK$110,167
baseline
▲ 0.50% · 4.625%
HK$115,974
+HK$5,807/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,334/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,742
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,248
−HK$3,563/mo
Today · 4.125%
HK$119,811
baseline
▲ 0.50% · 4.625%
HK$127,102
+HK$7,291/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,622/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,424
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,788
−HK$3,412/mo
Today · 4.125%
HK$132,200
baseline
▲ 0.50% · 4.625%
HK$139,169
+HK$6,969/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,400/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,532
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$135,623
−HK$4,157/mo
Today · 4.125%
HK$139,780
baseline
▲ 0.50% · 4.625%
HK$148,285
+HK$8,505/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$279,560/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,328
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,252
−HK$3,981/mo
Today · 4.125%
HK$154,233
baseline
▲ 0.50% · 4.625%
HK$162,363
+HK$8,130/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$308,466/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,112
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$174,373
−HK$5,344/mo
Today · 4.125%
HK$179,717
baseline
▲ 0.50% · 4.625%
HK$190,653
+HK$10,936/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$359,434/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,136
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$193,182
−HK$5,118/mo
Today · 4.125%
HK$198,300
baseline
▲ 0.50% · 4.625%
HK$208,753
+HK$10,453/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$396,600/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,089 · Scale 2, in force from 26 Feb 2026)