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$93,134
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,031
−HK$2,944/mo
Today · 4.125%
HK$98,975
baseline
▲ 0.50% · 4.625%
HK$104,997
+HK$6,022/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,950/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,611
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$106,390
−HK$2,819/mo
Today · 4.125%
HK$109,209
baseline
▲ 0.50% · 4.625%
HK$114,965
+HK$5,756/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,418/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,761
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,238
−HK$3,532/mo
Today · 4.125%
HK$118,770
baseline
▲ 0.50% · 4.625%
HK$125,996
+HK$7,226/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$237,540/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,333
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,668
−HK$3,383/mo
Today · 4.125%
HK$131,051
baseline
▲ 0.50% · 4.625%
HK$137,958
+HK$6,907/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$262,102/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,388
−HK$8,176/mo
▼ 0.25% · 3.875%
HK$134,444
−HK$4,120/mo
Today · 4.125%
HK$138,564
baseline
▲ 0.50% · 4.625%
HK$146,996
+HK$8,432/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,128/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,055
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$148,946
−HK$3,946/mo
Today · 4.125%
HK$152,892
baseline
▲ 0.50% · 4.625%
HK$160,951
+HK$8,059/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,784/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,642
−HK$10,512/mo
▼ 0.25% · 3.875%
HK$172,856
−HK$5,298/mo
Today · 4.125%
HK$178,154
baseline
▲ 0.50% · 4.625%
HK$188,995
+HK$10,841/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$356,308/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,500
−HK$10,076/mo
▼ 0.25% · 3.875%
HK$191,502
−HK$5,074/mo
Today · 4.125%
HK$196,576
baseline
▲ 0.50% · 4.625%
HK$206,938
+HK$10,362/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$393,152/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,861 · Scale 2, in force from 26 Feb 2026)