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$94,054
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,980
−HK$2,972/mo
Today · 4.125%
HK$99,952
baseline
▲ 0.50% · 4.625%
HK$106,034
+HK$6,082/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,904/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,634
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,441
−HK$2,846/mo
Today · 4.125%
HK$110,287
baseline
▲ 0.50% · 4.625%
HK$116,101
+HK$5,814/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,574/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,865
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,376
−HK$3,567/mo
Today · 4.125%
HK$119,943
baseline
▲ 0.50% · 4.625%
HK$127,241
+HK$7,298/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$239,886/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,561
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,929
−HK$3,416/mo
Today · 4.125%
HK$132,345
baseline
▲ 0.50% · 4.625%
HK$139,321
+HK$6,976/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$264,690/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,676
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$135,772
−HK$4,161/mo
Today · 4.125%
HK$139,933
baseline
▲ 0.50% · 4.625%
HK$148,448
+HK$8,515/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$279,866/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,488
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,417
−HK$3,985/mo
Today · 4.125%
HK$154,402
baseline
▲ 0.50% · 4.625%
HK$162,541
+HK$8,139/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$308,804/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,298
−HK$10,616/mo
▼ 0.25% · 3.875%
HK$174,564
−HK$5,350/mo
Today · 4.125%
HK$179,914
baseline
▲ 0.50% · 4.625%
HK$190,861
+HK$10,947/mo
Deposit HK$4.12M · loan HK$37.12M · min. income ≈ HK$359,828/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,342
−HK$10,175/mo
▼ 0.25% · 3.875%
HK$193,393
−HK$5,124/mo
Today · 4.125%
HK$198,517
baseline
▲ 0.50% · 4.625%
HK$208,982
+HK$10,465/mo
Deposit HK$4.12M · loan HK$37.12M · min. income ≈ HK$397,034/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,007 · Scale 2, in force from 26 Feb 2026)