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$93,390
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,295
−HK$2,952/mo
Today · 4.125%
HK$99,247
baseline
▲ 0.50% · 4.625%
HK$105,286
+HK$6,039/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$198,494/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,896
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,682
−HK$2,827/mo
Today · 4.125%
HK$109,509
baseline
▲ 0.50% · 4.625%
HK$115,281
+HK$5,772/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$219,018/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,068
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,554
−HK$3,542/mo
Today · 4.125%
HK$119,096
baseline
▲ 0.50% · 4.625%
HK$126,343
+HK$7,247/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$238,192/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,675
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,019
−HK$3,392/mo
Today · 4.125%
HK$131,411
baseline
▲ 0.50% · 4.625%
HK$138,337
+HK$6,926/mo
Deposit HK$16.38M · loan HK$24.57M · min. income ≈ HK$262,822/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,746
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,813
−HK$4,132/mo
Today · 4.125%
HK$138,945
baseline
▲ 0.50% · 4.625%
HK$147,400
+HK$8,455/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$277,890/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,454
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,355
−HK$3,957/mo
Today · 4.125%
HK$153,312
baseline
▲ 0.50% · 4.625%
HK$161,394
+HK$8,082/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$306,624/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,102
−HK$10,542/mo
▼ 0.25% · 3.875%
HK$173,331
−HK$5,313/mo
Today · 4.125%
HK$178,644
baseline
▲ 0.50% · 4.625%
HK$189,514
+HK$10,870/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$357,288/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,012
−HK$10,104/mo
▼ 0.25% · 3.875%
HK$192,028
−HK$5,088/mo
Today · 4.125%
HK$197,116
baseline
▲ 0.50% · 4.625%
HK$207,506
+HK$10,390/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$394,232/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,632 · Scale 2, in force from 26 Feb 2026)