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$94,034
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,959
−HK$2,971/mo
Today · 4.125%
HK$99,930
baseline
▲ 0.50% · 4.625%
HK$106,011
+HK$6,081/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,860/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,612
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,417
−HK$2,846/mo
Today · 4.125%
HK$110,263
baseline
▲ 0.50% · 4.625%
HK$116,075
+HK$5,812/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,526/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,840
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,350
−HK$3,566/mo
Today · 4.125%
HK$119,916
baseline
▲ 0.50% · 4.625%
HK$127,213
+HK$7,297/mo
Deposit HK$16.50M · loan HK$24.74M · min. income ≈ HK$239,832/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,534
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$128,901
−HK$3,415/mo
Today · 4.125%
HK$132,316
baseline
▲ 0.50% · 4.625%
HK$139,291
+HK$6,975/mo
Deposit HK$16.50M · loan HK$24.74M · min. income ≈ HK$264,632/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,647
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$135,742
−HK$4,161/mo
Today · 4.125%
HK$139,903
baseline
▲ 0.50% · 4.625%
HK$148,415
+HK$8,512/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$279,806/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,456
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,384
−HK$3,985/mo
Today · 4.125%
HK$154,369
baseline
▲ 0.50% · 4.625%
HK$162,506
+HK$8,137/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$308,738/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,261
−HK$10,614/mo
▼ 0.25% · 3.875%
HK$174,526
−HK$5,349/mo
Today · 4.125%
HK$179,875
baseline
▲ 0.50% · 4.625%
HK$190,820
+HK$10,945/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$359,750/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,301
−HK$10,173/mo
▼ 0.25% · 3.875%
HK$193,351
−HK$5,123/mo
Today · 4.125%
HK$198,474
baseline
▲ 0.50% · 4.625%
HK$208,936
+HK$10,462/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$396,948/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,624 · Scale 2, in force from 26 Feb 2026)