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$93,357
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$96,261
−HK$2,950/mo
Today · 4.125%
HK$99,211
baseline
▲ 0.50% · 4.625%
HK$105,248
+HK$6,037/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,422/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,859
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,644
−HK$2,826/mo
Today · 4.125%
HK$109,470
baseline
▲ 0.50% · 4.625%
HK$115,240
+HK$5,770/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,940/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,028
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,513
−HK$3,541/mo
Today · 4.125%
HK$119,054
baseline
▲ 0.50% · 4.625%
HK$126,298
+HK$7,244/mo
Deposit HK$16.38M · loan HK$24.56M · min. income ≈ HK$238,108/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,630
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,973
−HK$3,391/mo
Today · 4.125%
HK$131,364
baseline
▲ 0.50% · 4.625%
HK$138,288
+HK$6,924/mo
Deposit HK$16.38M · loan HK$24.56M · min. income ≈ HK$262,728/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,700
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$134,765
−HK$4,131/mo
Today · 4.125%
HK$138,896
baseline
▲ 0.50% · 4.625%
HK$147,347
+HK$8,451/mo
Deposit HK$12.28M · loan HK$28.66M · min. income ≈ HK$277,792/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,402
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$149,302
−HK$3,956/mo
Today · 4.125%
HK$153,258
baseline
▲ 0.50% · 4.625%
HK$161,336
+HK$8,078/mo
Deposit HK$12.28M · loan HK$28.66M · min. income ≈ HK$306,516/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,043
−HK$10,537/mo
▼ 0.25% · 3.875%
HK$173,270
−HK$5,310/mo
Today · 4.125%
HK$178,580
baseline
▲ 0.50% · 4.625%
HK$189,446
+HK$10,866/mo
Deposit HK$4.09M · loan HK$36.85M · min. income ≈ HK$357,160/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,946
−HK$10,100/mo
▼ 0.25% · 3.875%
HK$191,959
−HK$5,087/mo
Today · 4.125%
HK$197,046
baseline
▲ 0.50% · 4.625%
HK$207,432
+HK$10,386/mo
Deposit HK$4.09M · loan HK$36.85M · min. income ≈ HK$394,092/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,740,011 · Scale 2, in force from 26 Feb 2026)