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$93,539
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$96,449
−HK$2,956/mo
Today · 4.125%
HK$99,405
baseline
▲ 0.50% · 4.625%
HK$105,453
+HK$6,048/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$198,810/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,061
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$106,852
−HK$2,831/mo
Today · 4.125%
HK$109,683
baseline
▲ 0.50% · 4.625%
HK$115,465
+HK$5,782/mo
Deposit HK$20.51M · loan HK$20.51M · min. income ≈ HK$219,366/mo (50% DSR)
Upfront cash ≈ HK$22.25M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,247
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$115,738
−HK$3,548/mo
Today · 4.125%
HK$119,286
baseline
▲ 0.50% · 4.625%
HK$126,544
+HK$7,258/mo
Deposit HK$16.41M · loan HK$24.61M · min. income ≈ HK$238,572/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,873
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,223
−HK$3,397/mo
Today · 4.125%
HK$131,620
baseline
▲ 0.50% · 4.625%
HK$138,558
+HK$6,938/mo
Deposit HK$16.41M · loan HK$24.61M · min. income ≈ HK$263,240/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,955
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$135,028
−HK$4,139/mo
Today · 4.125%
HK$139,167
baseline
▲ 0.50% · 4.625%
HK$147,635
+HK$8,468/mo
Deposit HK$12.31M · loan HK$28.71M · min. income ≈ HK$278,334/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,686
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$149,593
−HK$3,964/mo
Today · 4.125%
HK$153,557
baseline
▲ 0.50% · 4.625%
HK$161,651
+HK$8,094/mo
Deposit HK$12.31M · loan HK$28.71M · min. income ≈ HK$307,114/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,370
−HK$10,559/mo
▼ 0.25% · 3.875%
HK$173,608
−HK$5,321/mo
Today · 4.125%
HK$178,929
baseline
▲ 0.50% · 4.625%
HK$189,816
+HK$10,887/mo
Deposit HK$4.10M · loan HK$36.92M · min. income ≈ HK$357,858/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,310
−HK$10,120/mo
▼ 0.25% · 3.875%
HK$192,334
−HK$5,096/mo
Today · 4.125%
HK$197,430
baseline
▲ 0.50% · 4.625%
HK$207,837
+HK$10,407/mo
Deposit HK$4.10M · loan HK$36.92M · min. income ≈ HK$394,860/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,743,405 · Scale 2, in force from 26 Feb 2026)