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$93,331
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,234
−HK$2,950/mo
Today · 4.125%
HK$99,184
baseline
▲ 0.50% · 4.625%
HK$105,219
+HK$6,035/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,368/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,830
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,615
−HK$2,825/mo
Today · 4.125%
HK$109,440
baseline
▲ 0.50% · 4.625%
HK$115,208
+HK$5,768/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,880/mo (50% DSR)
Upfront cash ≈ HK$22.20M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,997
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,481
−HK$3,540/mo
Today · 4.125%
HK$119,021
baseline
▲ 0.50% · 4.625%
HK$126,263
+HK$7,242/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,042/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,596
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,937
−HK$3,390/mo
Today · 4.125%
HK$131,327
baseline
▲ 0.50% · 4.625%
HK$138,250
+HK$6,923/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,654/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,664
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$134,728
−HK$4,129/mo
Today · 4.125%
HK$138,857
baseline
▲ 0.50% · 4.625%
HK$147,306
+HK$8,449/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,714/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,362
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$149,260
−HK$3,955/mo
Today · 4.125%
HK$153,215
baseline
▲ 0.50% · 4.625%
HK$161,292
+HK$8,077/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,430/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,996
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$173,222
−HK$5,309/mo
Today · 4.125%
HK$178,531
baseline
▲ 0.50% · 4.625%
HK$189,394
+HK$10,863/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$357,062/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,894
−HK$10,097/mo
▼ 0.25% · 3.875%
HK$191,906
−HK$5,085/mo
Today · 4.125%
HK$196,991
baseline
▲ 0.50% · 4.625%
HK$207,375
+HK$10,384/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$393,982/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,529 · Scale 2, in force from 26 Feb 2026)