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$93,114
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$96,011
−HK$2,943/mo
Today · 4.125%
HK$98,954
baseline
▲ 0.50% · 4.625%
HK$104,975
+HK$6,021/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,908/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,589
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$106,367
−HK$2,818/mo
Today · 4.125%
HK$109,185
baseline
▲ 0.50% · 4.625%
HK$114,941
+HK$5,756/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,370/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,737
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,213
−HK$3,531/mo
Today · 4.125%
HK$118,744
baseline
▲ 0.50% · 4.625%
HK$125,970
+HK$7,226/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$237,488/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,307
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,641
−HK$3,382/mo
Today · 4.125%
HK$131,023
baseline
▲ 0.50% · 4.625%
HK$137,929
+HK$6,906/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$262,046/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,360
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$134,415
−HK$4,120/mo
Today · 4.125%
HK$138,535
baseline
▲ 0.50% · 4.625%
HK$146,965
+HK$8,430/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$277,070/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,024
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$148,914
−HK$3,946/mo
Today · 4.125%
HK$152,860
baseline
▲ 0.50% · 4.625%
HK$160,917
+HK$8,057/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$305,720/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,606
−HK$10,510/mo
▼ 0.25% · 3.875%
HK$172,820
−HK$5,296/mo
Today · 4.125%
HK$178,116
baseline
▲ 0.50% · 4.625%
HK$188,954
+HK$10,838/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$356,232/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,460
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$191,461
−HK$5,073/mo
Today · 4.125%
HK$196,534
baseline
▲ 0.50% · 4.625%
HK$206,893
+HK$10,359/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$393,068/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,492 · Scale 2, in force from 26 Feb 2026)