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$93,537
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$96,446
−HK$2,956/mo
Today · 4.125%
HK$99,402
baseline
▲ 0.50% · 4.625%
HK$105,451
+HK$6,049/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$198,804/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,059
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,849
−HK$2,832/mo
Today · 4.125%
HK$109,681
baseline
▲ 0.50% · 4.625%
HK$115,462
+HK$5,781/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$219,362/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,244
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$115,735
−HK$3,548/mo
Today · 4.125%
HK$119,283
baseline
▲ 0.50% · 4.625%
HK$126,541
+HK$7,258/mo
Deposit HK$16.41M · loan HK$24.61M · min. income ≈ HK$238,566/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,870
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,219
−HK$3,398/mo
Today · 4.125%
HK$131,617
baseline
▲ 0.50% · 4.625%
HK$138,554
+HK$6,937/mo
Deposit HK$16.41M · loan HK$24.61M · min. income ≈ HK$263,234/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,951
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$135,025
−HK$4,138/mo
Today · 4.125%
HK$139,163
baseline
▲ 0.50% · 4.625%
HK$147,631
+HK$8,468/mo
Deposit HK$12.31M · loan HK$28.71M · min. income ≈ HK$278,326/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,682
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$149,589
−HK$3,964/mo
Today · 4.125%
HK$153,553
baseline
▲ 0.50% · 4.625%
HK$161,647
+HK$8,094/mo
Deposit HK$12.31M · loan HK$28.71M · min. income ≈ HK$307,106/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,366
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$173,603
−HK$5,321/mo
Today · 4.125%
HK$178,924
baseline
▲ 0.50% · 4.625%
HK$189,811
+HK$10,887/mo
Deposit HK$4.10M · loan HK$36.92M · min. income ≈ HK$357,848/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,306
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$192,329
−HK$5,096/mo
Today · 4.125%
HK$197,425
baseline
▲ 0.50% · 4.625%
HK$207,832
+HK$10,407/mo
Deposit HK$4.10M · loan HK$36.92M · min. income ≈ HK$394,850/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,743,361 · Scale 2, in force from 26 Feb 2026)