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$93,394
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$96,299
−HK$2,951/mo
Today · 4.125%
HK$99,250
baseline
▲ 0.50% · 4.625%
HK$105,290
+HK$6,040/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$198,500/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,900
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,686
−HK$2,827/mo
Today · 4.125%
HK$109,513
baseline
▲ 0.50% · 4.625%
HK$115,286
+HK$5,773/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$219,026/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,073
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,559
−HK$3,542/mo
Today · 4.125%
HK$119,101
baseline
▲ 0.50% · 4.625%
HK$126,347
+HK$7,246/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$238,202/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,680
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,023
−HK$3,393/mo
Today · 4.125%
HK$131,416
baseline
▲ 0.50% · 4.625%
HK$138,343
+HK$6,927/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$262,832/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,751
−HK$8,200/mo
▼ 0.25% · 3.875%
HK$134,818
−HK$4,133/mo
Today · 4.125%
HK$138,951
baseline
▲ 0.50% · 4.625%
HK$147,405
+HK$8,454/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$277,902/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,460
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,361
−HK$3,957/mo
Today · 4.125%
HK$153,318
baseline
▲ 0.50% · 4.625%
HK$161,400
+HK$8,082/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$306,636/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,109
−HK$10,542/mo
▼ 0.25% · 3.875%
HK$173,338
−HK$5,313/mo
Today · 4.125%
HK$178,651
baseline
▲ 0.50% · 4.625%
HK$189,521
+HK$10,870/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$357,302/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,019
−HK$10,105/mo
▼ 0.25% · 3.875%
HK$192,035
−HK$5,089/mo
Today · 4.125%
HK$197,124
baseline
▲ 0.50% · 4.625%
HK$207,514
+HK$10,390/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$394,248/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,698 · Scale 2, in force from 26 Feb 2026)