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$93,027
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,920
−HK$2,940/mo
Today · 4.125%
HK$98,860
baseline
▲ 0.50% · 4.625%
HK$104,876
+HK$6,016/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,720/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,491
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,267
−HK$2,816/mo
Today · 4.125%
HK$109,083
baseline
▲ 0.50% · 4.625%
HK$114,832
+HK$5,749/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,166/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,632
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,104
−HK$3,528/mo
Today · 4.125%
HK$118,632
baseline
▲ 0.50% · 4.625%
HK$125,851
+HK$7,219/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,264/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,190
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,520
−HK$3,379/mo
Today · 4.125%
HK$130,899
baseline
▲ 0.50% · 4.625%
HK$137,799
+HK$6,900/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,798/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,237
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$134,288
−HK$4,116/mo
Today · 4.125%
HK$138,404
baseline
▲ 0.50% · 4.625%
HK$146,826
+HK$8,422/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$276,808/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,888
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$148,774
−HK$3,942/mo
Today · 4.125%
HK$152,716
baseline
▲ 0.50% · 4.625%
HK$160,765
+HK$8,049/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$305,432/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,448
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$172,657
−HK$5,292/mo
Today · 4.125%
HK$177,949
baseline
▲ 0.50% · 4.625%
HK$188,776
+HK$10,827/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$355,898/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,284
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$191,280
−HK$5,069/mo
Today · 4.125%
HK$196,349
baseline
▲ 0.50% · 4.625%
HK$206,698
+HK$10,349/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$392,698/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,856 · Scale 2, in force from 26 Feb 2026)