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$93,095
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$95,990
−HK$2,943/mo
Today · 4.125%
HK$98,933
baseline
▲ 0.50% · 4.625%
HK$104,952
+HK$6,019/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$197,866/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,567
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,345
−HK$2,817/mo
Today · 4.125%
HK$109,162
baseline
▲ 0.50% · 4.625%
HK$114,916
+HK$5,754/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$218,324/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,714
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,189
−HK$3,530/mo
Today · 4.125%
HK$118,719
baseline
▲ 0.50% · 4.625%
HK$125,943
+HK$7,224/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$237,438/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,280
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,613
−HK$3,382/mo
Today · 4.125%
HK$130,995
baseline
▲ 0.50% · 4.625%
HK$137,900
+HK$6,905/mo
Deposit HK$16.33M · loan HK$24.50M · min. income ≈ HK$261,990/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,333
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$134,387
−HK$4,119/mo
Today · 4.125%
HK$138,506
baseline
▲ 0.50% · 4.625%
HK$146,933
+HK$8,427/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$277,012/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,994
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,882
−HK$3,945/mo
Today · 4.125%
HK$152,827
baseline
▲ 0.50% · 4.625%
HK$160,883
+HK$8,056/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$305,654/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,570
−HK$10,509/mo
▼ 0.25% · 3.875%
HK$172,783
−HK$5,296/mo
Today · 4.125%
HK$178,079
baseline
▲ 0.50% · 4.625%
HK$188,914
+HK$10,835/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$356,158/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,420
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$191,420
−HK$5,072/mo
Today · 4.125%
HK$196,492
baseline
▲ 0.50% · 4.625%
HK$206,850
+HK$10,358/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$392,984/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,123 · Scale 2, in force from 26 Feb 2026)