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$93,476
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$96,383
−HK$2,955/mo
Today · 4.125%
HK$99,338
baseline
▲ 0.50% · 4.625%
HK$105,382
+HK$6,044/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$198,676/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,991
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$106,780
−HK$2,829/mo
Today · 4.125%
HK$109,609
baseline
▲ 0.50% · 4.625%
HK$115,387
+HK$5,778/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$219,218/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,171
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$115,660
−HK$3,545/mo
Today · 4.125%
HK$119,205
baseline
▲ 0.50% · 4.625%
HK$126,459
+HK$7,254/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$238,410/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,789
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$128,136
−HK$3,395/mo
Today · 4.125%
HK$131,531
baseline
▲ 0.50% · 4.625%
HK$138,464
+HK$6,933/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$263,062/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,866
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$134,937
−HK$4,136/mo
Today · 4.125%
HK$139,073
baseline
▲ 0.50% · 4.625%
HK$147,535
+HK$8,462/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$278,146/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,587
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$149,492
−HK$3,961/mo
Today · 4.125%
HK$153,453
baseline
▲ 0.50% · 4.625%
HK$161,542
+HK$8,089/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$306,906/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,257
−HK$10,551/mo
▼ 0.25% · 3.875%
HK$173,490
−HK$5,318/mo
Today · 4.125%
HK$178,808
baseline
▲ 0.50% · 4.625%
HK$189,688
+HK$10,880/mo
Deposit HK$4.10M · loan HK$36.89M · min. income ≈ HK$357,616/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,184
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$192,204
−HK$5,093/mo
Today · 4.125%
HK$197,297
baseline
▲ 0.50% · 4.625%
HK$207,696
+HK$10,399/mo
Deposit HK$4.10M · loan HK$36.89M · min. income ≈ HK$394,594/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,227 · Scale 2, in force from 26 Feb 2026)