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$93,028
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,922
−HK$2,940/mo
Today · 4.125%
HK$98,862
baseline
▲ 0.50% · 4.625%
HK$104,877
+HK$6,015/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,724/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,493
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,268
−HK$2,816/mo
Today · 4.125%
HK$109,084
baseline
▲ 0.50% · 4.625%
HK$114,834
+HK$5,750/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,168/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,633
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,106
−HK$3,528/mo
Today · 4.125%
HK$118,634
baseline
▲ 0.50% · 4.625%
HK$125,852
+HK$7,218/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,268/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,191
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,522
−HK$3,379/mo
Today · 4.125%
HK$130,901
baseline
▲ 0.50% · 4.625%
HK$137,801
+HK$6,900/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,802/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,239
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$134,290
−HK$4,116/mo
Today · 4.125%
HK$138,406
baseline
▲ 0.50% · 4.625%
HK$146,828
+HK$8,422/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$276,812/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,890
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$148,775
−HK$3,942/mo
Today · 4.125%
HK$152,717
baseline
▲ 0.50% · 4.625%
HK$160,767
+HK$8,050/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$305,434/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,450
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$172,659
−HK$5,292/mo
Today · 4.125%
HK$177,951
baseline
▲ 0.50% · 4.625%
HK$188,779
+HK$10,828/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$355,902/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,287
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$191,283
−HK$5,068/mo
Today · 4.125%
HK$196,351
baseline
▲ 0.50% · 4.625%
HK$206,701
+HK$10,350/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$392,702/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,877 · Scale 2, in force from 26 Feb 2026)