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$93,362
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$96,266
−HK$2,951/mo
Today · 4.125%
HK$99,217
baseline
▲ 0.50% · 4.625%
HK$105,254
+HK$6,037/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,434/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,865
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$106,650
−HK$2,826/mo
Today · 4.125%
HK$109,476
baseline
▲ 0.50% · 4.625%
HK$115,247
+HK$5,771/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,952/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,035
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,520
−HK$3,540/mo
Today · 4.125%
HK$119,060
baseline
▲ 0.50% · 4.625%
HK$126,305
+HK$7,245/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$238,120/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,638
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,980
−HK$3,391/mo
Today · 4.125%
HK$131,371
baseline
▲ 0.50% · 4.625%
HK$138,296
+HK$6,925/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$262,742/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,707
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,773
−HK$4,131/mo
Today · 4.125%
HK$138,904
baseline
▲ 0.50% · 4.625%
HK$147,356
+HK$8,452/mo
Deposit HK$12.28M · loan HK$28.66M · min. income ≈ HK$277,808/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,410
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,310
−HK$3,957/mo
Today · 4.125%
HK$153,267
baseline
▲ 0.50% · 4.625%
HK$161,345
+HK$8,078/mo
Deposit HK$12.28M · loan HK$28.66M · min. income ≈ HK$306,534/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,052
−HK$10,538/mo
▼ 0.25% · 3.875%
HK$173,279
−HK$5,311/mo
Today · 4.125%
HK$178,590
baseline
▲ 0.50% · 4.625%
HK$189,457
+HK$10,867/mo
Deposit HK$4.09M · loan HK$36.85M · min. income ≈ HK$357,180/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,956
−HK$10,101/mo
▼ 0.25% · 3.875%
HK$191,970
−HK$5,087/mo
Today · 4.125%
HK$197,057
baseline
▲ 0.50% · 4.625%
HK$207,444
+HK$10,387/mo
Deposit HK$4.09M · loan HK$36.85M · min. income ≈ HK$394,114/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,740,110 · Scale 2, in force from 26 Feb 2026)