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$93,191
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,090
−HK$2,945/mo
Today · 4.125%
HK$99,035
baseline
▲ 0.50% · 4.625%
HK$105,061
+HK$6,026/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$198,070/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,675
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,455
−HK$2,821/mo
Today · 4.125%
HK$109,276
baseline
▲ 0.50% · 4.625%
HK$115,036
+HK$5,760/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$218,552/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,830
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,308
−HK$3,534/mo
Today · 4.125%
HK$118,842
baseline
▲ 0.50% · 4.625%
HK$126,074
+HK$7,232/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$237,684/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,410
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,746
−HK$3,385/mo
Today · 4.125%
HK$131,131
baseline
▲ 0.50% · 4.625%
HK$138,043
+HK$6,912/mo
Deposit HK$16.35M · loan HK$24.52M · min. income ≈ HK$262,262/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,468
−HK$8,182/mo
▼ 0.25% · 3.875%
HK$134,526
−HK$4,124/mo
Today · 4.125%
HK$138,650
baseline
▲ 0.50% · 4.625%
HK$147,086
+HK$8,436/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$277,300/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,144
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$149,037
−HK$3,949/mo
Today · 4.125%
HK$152,986
baseline
▲ 0.50% · 4.625%
HK$161,050
+HK$8,064/mo
Deposit HK$12.26M · loan HK$28.61M · min. income ≈ HK$305,972/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,745
−HK$10,519/mo
▼ 0.25% · 3.875%
HK$172,962
−HK$5,302/mo
Today · 4.125%
HK$178,264
baseline
▲ 0.50% · 4.625%
HK$189,111
+HK$10,847/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$356,528/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,614
−HK$10,082/mo
▼ 0.25% · 3.875%
HK$191,619
−HK$5,077/mo
Today · 4.125%
HK$196,696
baseline
▲ 0.50% · 4.625%
HK$207,065
+HK$10,369/mo
Deposit HK$4.09M · loan HK$36.78M · min. income ≈ HK$393,392/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,927 · Scale 2, in force from 26 Feb 2026)