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$93,259
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,160
−HK$2,948/mo
Today · 4.125%
HK$99,108
baseline
▲ 0.50% · 4.625%
HK$105,138
+HK$6,030/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,216/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,750
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,533
−HK$2,822/mo
Today · 4.125%
HK$109,355
baseline
▲ 0.50% · 4.625%
HK$115,120
+HK$5,765/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,710/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,911
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,392
−HK$3,537/mo
Today · 4.125%
HK$118,929
baseline
▲ 0.50% · 4.625%
HK$126,166
+HK$7,237/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$237,858/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,500
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,839
−HK$3,388/mo
Today · 4.125%
HK$131,227
baseline
▲ 0.50% · 4.625%
HK$138,144
+HK$6,917/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$262,454/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,563
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,624
−HK$4,127/mo
Today · 4.125%
HK$138,751
baseline
▲ 0.50% · 4.625%
HK$147,193
+HK$8,442/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$277,502/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,250
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$149,146
−HK$3,952/mo
Today · 4.125%
HK$153,098
baseline
▲ 0.50% · 4.625%
HK$161,168
+HK$8,070/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$306,196/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,867
−HK$10,527/mo
▼ 0.25% · 3.875%
HK$173,089
−HK$5,305/mo
Today · 4.125%
HK$178,394
baseline
▲ 0.50% · 4.625%
HK$189,249
+HK$10,855/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$356,788/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,750
−HK$10,090/mo
▼ 0.25% · 3.875%
HK$191,759
−HK$5,081/mo
Today · 4.125%
HK$196,840
baseline
▲ 0.50% · 4.625%
HK$207,216
+HK$10,376/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$393,680/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,193 · Scale 2, in force from 26 Feb 2026)