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$94,027
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,951
−HK$2,972/mo
Today · 4.125%
HK$99,923
baseline
▲ 0.50% · 4.625%
HK$106,003
+HK$6,080/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,846/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,604
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,409
−HK$2,846/mo
Today · 4.125%
HK$110,255
baseline
▲ 0.50% · 4.625%
HK$116,067
+HK$5,812/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,510/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,832
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$116,342
−HK$3,565/mo
Today · 4.125%
HK$119,907
baseline
▲ 0.50% · 4.625%
HK$127,204
+HK$7,297/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$239,814/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,524
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$128,891
−HK$3,415/mo
Today · 4.125%
HK$132,306
baseline
▲ 0.50% · 4.625%
HK$139,280
+HK$6,974/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$264,612/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,637
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,732
−HK$4,160/mo
Today · 4.125%
HK$139,892
baseline
▲ 0.50% · 4.625%
HK$148,404
+HK$8,512/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$279,784/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,445
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,373
−HK$3,984/mo
Today · 4.125%
HK$154,357
baseline
▲ 0.50% · 4.625%
HK$162,493
+HK$8,136/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$308,714/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,248
−HK$10,613/mo
▼ 0.25% · 3.875%
HK$174,512
−HK$5,349/mo
Today · 4.125%
HK$179,861
baseline
▲ 0.50% · 4.625%
HK$190,805
+HK$10,944/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$359,722/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,287
−HK$10,172/mo
▼ 0.25% · 3.875%
HK$193,336
−HK$5,123/mo
Today · 4.125%
HK$198,459
baseline
▲ 0.50% · 4.625%
HK$208,920
+HK$10,461/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$396,918/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,493 · Scale 2, in force from 26 Feb 2026)