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$93,756
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,672
−HK$2,963/mo
Today · 4.125%
HK$99,635
baseline
▲ 0.50% · 4.625%
HK$105,697
+HK$6,062/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,270/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,302
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,100
−HK$2,837/mo
Today · 4.125%
HK$109,937
baseline
▲ 0.50% · 4.625%
HK$115,732
+HK$5,795/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,874/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,507
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,006
−HK$3,556/mo
Today · 4.125%
HK$119,562
baseline
▲ 0.50% · 4.625%
HK$126,837
+HK$7,275/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$239,124/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,163
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,519
−HK$3,406/mo
Today · 4.125%
HK$131,925
baseline
▲ 0.50% · 4.625%
HK$138,879
+HK$6,954/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$263,850/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,258
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$135,341
−HK$4,148/mo
Today · 4.125%
HK$139,489
baseline
▲ 0.50% · 4.625%
HK$147,976
+HK$8,487/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$278,978/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,023
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,939
−HK$3,973/mo
Today · 4.125%
HK$153,912
baseline
▲ 0.50% · 4.625%
HK$162,025
+HK$8,113/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$307,824/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,760
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$174,010
−HK$5,333/mo
Today · 4.125%
HK$179,343
baseline
▲ 0.50% · 4.625%
HK$190,255
+HK$10,912/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$358,686/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,744
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$192,779
−HK$5,108/mo
Today · 4.125%
HK$197,887
baseline
▲ 0.50% · 4.625%
HK$208,318
+HK$10,431/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$395,774/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,442 · Scale 2, in force from 26 Feb 2026)