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$93,251
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$96,151
−HK$2,947/mo
Today · 4.125%
HK$99,098
baseline
▲ 0.50% · 4.625%
HK$105,128
+HK$6,030/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,196/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,740
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$106,523
−HK$2,822/mo
Today · 4.125%
HK$109,345
baseline
▲ 0.50% · 4.625%
HK$115,109
+HK$5,764/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,690/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,901
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,382
−HK$3,536/mo
Today · 4.125%
HK$118,918
baseline
▲ 0.50% · 4.625%
HK$126,154
+HK$7,236/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$237,836/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,489
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,827
−HK$3,387/mo
Today · 4.125%
HK$131,214
baseline
▲ 0.50% · 4.625%
HK$138,131
+HK$6,917/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$262,428/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,551
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$134,612
−HK$4,126/mo
Today · 4.125%
HK$138,738
baseline
▲ 0.50% · 4.625%
HK$147,180
+HK$8,442/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$277,476/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,237
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$149,132
−HK$3,951/mo
Today · 4.125%
HK$153,083
baseline
▲ 0.50% · 4.625%
HK$161,153
+HK$8,070/mo
Deposit HK$12.27M · loan HK$28.63M · min. income ≈ HK$306,166/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,851
−HK$10,526/mo
▼ 0.25% · 3.875%
HK$173,072
−HK$5,305/mo
Today · 4.125%
HK$178,377
baseline
▲ 0.50% · 4.625%
HK$189,231
+HK$10,854/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$356,754/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,733
−HK$10,088/mo
▼ 0.25% · 3.875%
HK$191,741
−HK$5,080/mo
Today · 4.125%
HK$196,821
baseline
▲ 0.50% · 4.625%
HK$207,196
+HK$10,375/mo
Deposit HK$4.09M · loan HK$36.81M · min. income ≈ HK$393,642/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,031 · Scale 2, in force from 26 Feb 2026)