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$93,188
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,086
−HK$2,945/mo
Today · 4.125%
HK$99,031
baseline
▲ 0.50% · 4.625%
HK$105,057
+HK$6,026/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$198,062/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,670
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,451
−HK$2,820/mo
Today · 4.125%
HK$109,271
baseline
▲ 0.50% · 4.625%
HK$115,031
+HK$5,760/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$218,542/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,825
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,303
−HK$3,535/mo
Today · 4.125%
HK$118,838
baseline
▲ 0.50% · 4.625%
HK$126,068
+HK$7,230/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$237,676/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,404
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,741
−HK$3,384/mo
Today · 4.125%
HK$131,125
baseline
▲ 0.50% · 4.625%
HK$138,037
+HK$6,912/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$262,250/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,463
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$134,521
−HK$4,123/mo
Today · 4.125%
HK$138,644
baseline
▲ 0.50% · 4.625%
HK$147,080
+HK$8,436/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$277,288/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,138
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$149,031
−HK$3,949/mo
Today · 4.125%
HK$152,980
baseline
▲ 0.50% · 4.625%
HK$161,043
+HK$8,063/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$305,960/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,738
−HK$10,518/mo
▼ 0.25% · 3.875%
HK$172,955
−HK$5,301/mo
Today · 4.125%
HK$178,256
baseline
▲ 0.50% · 4.625%
HK$189,103
+HK$10,847/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$356,512/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,606
−HK$10,082/mo
▼ 0.25% · 3.875%
HK$191,611
−HK$5,077/mo
Today · 4.125%
HK$196,688
baseline
▲ 0.50% · 4.625%
HK$207,056
+HK$10,368/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$393,376/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,854 · Scale 2, in force from 26 Feb 2026)