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$93,121
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,018
−HK$2,943/mo
Today · 4.125%
HK$98,961
baseline
▲ 0.50% · 4.625%
HK$104,982
+HK$6,021/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,922/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,596
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,375
−HK$2,818/mo
Today · 4.125%
HK$109,193
baseline
▲ 0.50% · 4.625%
HK$114,949
+HK$5,756/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,386/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,746
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,221
−HK$3,532/mo
Today · 4.125%
HK$118,753
baseline
▲ 0.50% · 4.625%
HK$125,979
+HK$7,226/mo
Deposit HK$16.34M · loan HK$24.50M · min. income ≈ HK$237,506/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,316
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,650
−HK$3,382/mo
Today · 4.125%
HK$131,032
baseline
▲ 0.50% · 4.625%
HK$137,939
+HK$6,907/mo
Deposit HK$16.34M · loan HK$24.50M · min. income ≈ HK$262,064/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,370
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$134,425
−HK$4,120/mo
Today · 4.125%
HK$138,545
baseline
▲ 0.50% · 4.625%
HK$146,975
+HK$8,430/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,090/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,035
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$148,925
−HK$3,946/mo
Today · 4.125%
HK$152,871
baseline
▲ 0.50% · 4.625%
HK$160,929
+HK$8,058/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,742/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,618
−HK$10,511/mo
▼ 0.25% · 3.875%
HK$172,832
−HK$5,297/mo
Today · 4.125%
HK$178,129
baseline
▲ 0.50% · 4.625%
HK$188,968
+HK$10,839/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$356,258/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,474
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$191,475
−HK$5,073/mo
Today · 4.125%
HK$196,548
baseline
▲ 0.50% · 4.625%
HK$206,909
+HK$10,361/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$393,096/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,618 · Scale 2, in force from 26 Feb 2026)