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$93,147
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$96,045
−HK$2,943/mo
Today · 4.125%
HK$98,988
baseline
▲ 0.50% · 4.625%
HK$105,012
+HK$6,024/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,976/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,625
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,405
−HK$2,819/mo
Today · 4.125%
HK$109,224
baseline
▲ 0.50% · 4.625%
HK$114,981
+HK$5,757/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,448/mo (50% DSR)
Upfront cash ≈ HK$22.16M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,777
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,254
−HK$3,532/mo
Today · 4.125%
HK$118,786
baseline
▲ 0.50% · 4.625%
HK$126,014
+HK$7,228/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$237,572/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,351
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$127,686
−HK$3,383/mo
Today · 4.125%
HK$131,069
baseline
▲ 0.50% · 4.625%
HK$137,978
+HK$6,909/mo
Deposit HK$16.34M · loan HK$24.51M · min. income ≈ HK$262,138/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,406
−HK$8,178/mo
▼ 0.25% · 3.875%
HK$134,463
−HK$4,121/mo
Today · 4.125%
HK$138,584
baseline
▲ 0.50% · 4.625%
HK$147,016
+HK$8,432/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,168/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,076
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$148,967
−HK$3,947/mo
Today · 4.125%
HK$152,914
baseline
▲ 0.50% · 4.625%
HK$160,974
+HK$8,060/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,828/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,665
−HK$10,514/mo
▼ 0.25% · 3.875%
HK$172,881
−HK$5,298/mo
Today · 4.125%
HK$178,179
baseline
▲ 0.50% · 4.625%
HK$189,021
+HK$10,842/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$356,358/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,526
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$191,528
−HK$5,075/mo
Today · 4.125%
HK$196,603
baseline
▲ 0.50% · 4.625%
HK$206,966
+HK$10,363/mo
Deposit HK$4.08M · loan HK$36.76M · min. income ≈ HK$393,206/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,104 · Scale 2, in force from 26 Feb 2026)