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$93,279
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$96,180
−HK$2,948/mo
Today · 4.125%
HK$99,128
baseline
▲ 0.50% · 4.625%
HK$105,160
+HK$6,032/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$198,256/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,772
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$106,555
−HK$2,823/mo
Today · 4.125%
HK$109,378
baseline
▲ 0.50% · 4.625%
HK$115,144
+HK$5,766/mo
Deposit HK$20.45M · loan HK$20.45M · min. income ≈ HK$218,756/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,935
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,416
−HK$3,538/mo
Today · 4.125%
HK$118,954
baseline
▲ 0.50% · 4.625%
HK$126,192
+HK$7,238/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$237,908/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,526
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,866
−HK$3,388/mo
Today · 4.125%
HK$131,254
baseline
▲ 0.50% · 4.625%
HK$138,173
+HK$6,919/mo
Deposit HK$16.36M · loan HK$24.54M · min. income ≈ HK$262,508/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,590
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$134,653
−HK$4,127/mo
Today · 4.125%
HK$138,780
baseline
▲ 0.50% · 4.625%
HK$147,224
+HK$8,444/mo
Deposit HK$12.27M · loan HK$28.64M · min. income ≈ HK$277,560/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,281
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,177
−HK$3,953/mo
Today · 4.125%
HK$153,130
baseline
▲ 0.50% · 4.625%
HK$161,201
+HK$8,071/mo
Deposit HK$12.27M · loan HK$28.64M · min. income ≈ HK$306,260/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,902
−HK$10,529/mo
▼ 0.25% · 3.875%
HK$173,125
−HK$5,306/mo
Today · 4.125%
HK$178,431
baseline
▲ 0.50% · 4.625%
HK$189,288
+HK$10,857/mo
Deposit HK$4.09M · loan HK$36.82M · min. income ≈ HK$356,862/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,789
−HK$10,092/mo
▼ 0.25% · 3.875%
HK$191,799
−HK$5,082/mo
Today · 4.125%
HK$196,881
baseline
▲ 0.50% · 4.625%
HK$207,259
+HK$10,378/mo
Deposit HK$4.09M · loan HK$36.82M · min. income ≈ HK$393,762/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,556 · Scale 2, in force from 26 Feb 2026)