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$93,073
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$95,968
−HK$2,941/mo
Today · 4.125%
HK$98,909
baseline
▲ 0.50% · 4.625%
HK$104,928
+HK$6,019/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$197,818/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,543
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,320
−HK$2,817/mo
Today · 4.125%
HK$109,137
baseline
▲ 0.50% · 4.625%
HK$114,890
+HK$5,753/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$218,274/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,688
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,162
−HK$3,529/mo
Today · 4.125%
HK$118,691
baseline
▲ 0.50% · 4.625%
HK$125,913
+HK$7,222/mo
Deposit HK$16.33M · loan HK$24.49M · min. income ≈ HK$237,382/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,251
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,584
−HK$3,380/mo
Today · 4.125%
HK$130,964
baseline
▲ 0.50% · 4.625%
HK$137,868
+HK$6,904/mo
Deposit HK$16.33M · loan HK$24.49M · min. income ≈ HK$261,928/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,302
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$134,355
−HK$4,118/mo
Today · 4.125%
HK$138,473
baseline
▲ 0.50% · 4.625%
HK$146,899
+HK$8,426/mo
Deposit HK$12.25M · loan HK$28.57M · min. income ≈ HK$276,946/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,960
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$148,848
−HK$3,944/mo
Today · 4.125%
HK$152,792
baseline
▲ 0.50% · 4.625%
HK$160,845
+HK$8,053/mo
Deposit HK$12.25M · loan HK$28.57M · min. income ≈ HK$305,584/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,531
−HK$10,506/mo
▼ 0.25% · 3.875%
HK$172,743
−HK$5,294/mo
Today · 4.125%
HK$178,037
baseline
▲ 0.50% · 4.625%
HK$188,870
+HK$10,833/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$356,074/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,377
−HK$10,069/mo
▼ 0.25% · 3.875%
HK$191,376
−HK$5,070/mo
Today · 4.125%
HK$196,446
baseline
▲ 0.50% · 4.625%
HK$206,801
+HK$10,355/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$392,892/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,719 · Scale 2, in force from 26 Feb 2026)