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$93,500
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,408
−HK$2,955/mo
Today · 4.125%
HK$99,363
baseline
▲ 0.50% · 4.625%
HK$105,409
+HK$6,046/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$198,726/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,018
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,807
−HK$2,830/mo
Today · 4.125%
HK$109,637
baseline
▲ 0.50% · 4.625%
HK$115,416
+HK$5,779/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$219,274/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,200
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,690
−HK$3,546/mo
Today · 4.125%
HK$119,236
baseline
▲ 0.50% · 4.625%
HK$126,491
+HK$7,255/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$238,472/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,821
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,169
−HK$3,396/mo
Today · 4.125%
HK$131,565
baseline
▲ 0.50% · 4.625%
HK$138,500
+HK$6,935/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$263,130/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,900
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$134,971
−HK$4,137/mo
Today · 4.125%
HK$139,108
baseline
▲ 0.50% · 4.625%
HK$147,573
+HK$8,465/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$278,216/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,625
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$149,530
−HK$3,962/mo
Today · 4.125%
HK$153,492
baseline
▲ 0.50% · 4.625%
HK$161,583
+HK$8,091/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$306,984/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,300
−HK$10,553/mo
▼ 0.25% · 3.875%
HK$173,535
−HK$5,318/mo
Today · 4.125%
HK$178,853
baseline
▲ 0.50% · 4.625%
HK$189,736
+HK$10,883/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$357,706/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,232
−HK$10,115/mo
▼ 0.25% · 3.875%
HK$192,253
−HK$5,094/mo
Today · 4.125%
HK$197,347
baseline
▲ 0.50% · 4.625%
HK$207,749
+HK$10,402/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$394,694/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,672 · Scale 2, in force from 26 Feb 2026)