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$93,396
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,301
−HK$2,952/mo
Today · 4.125%
HK$99,253
baseline
▲ 0.50% · 4.625%
HK$105,292
+HK$6,039/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$198,506/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,902
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,689
−HK$2,827/mo
Today · 4.125%
HK$109,516
baseline
▲ 0.50% · 4.625%
HK$115,288
+HK$5,772/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$219,032/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,075
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,561
−HK$3,542/mo
Today · 4.125%
HK$119,103
baseline
▲ 0.50% · 4.625%
HK$126,350
+HK$7,247/mo
Deposit HK$16.38M · loan HK$24.58M · min. income ≈ HK$238,206/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,683
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,026
−HK$3,393/mo
Today · 4.125%
HK$131,419
baseline
▲ 0.50% · 4.625%
HK$138,346
+HK$6,927/mo
Deposit HK$16.38M · loan HK$24.58M · min. income ≈ HK$262,838/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,754
−HK$8,200/mo
▼ 0.25% · 3.875%
HK$134,822
−HK$4,132/mo
Today · 4.125%
HK$138,954
baseline
▲ 0.50% · 4.625%
HK$147,409
+HK$8,455/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$277,908/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,463
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$149,364
−HK$3,958/mo
Today · 4.125%
HK$153,322
baseline
▲ 0.50% · 4.625%
HK$161,404
+HK$8,082/mo
Deposit HK$12.29M · loan HK$28.67M · min. income ≈ HK$306,644/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,113
−HK$10,542/mo
▼ 0.25% · 3.875%
HK$173,342
−HK$5,313/mo
Today · 4.125%
HK$178,655
baseline
▲ 0.50% · 4.625%
HK$189,526
+HK$10,871/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$357,310/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,024
−HK$10,104/mo
▼ 0.25% · 3.875%
HK$192,040
−HK$5,088/mo
Today · 4.125%
HK$197,128
baseline
▲ 0.50% · 4.625%
HK$207,519
+HK$10,391/mo
Deposit HK$4.10M · loan HK$36.86M · min. income ≈ HK$394,256/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,740,739 · Scale 2, in force from 26 Feb 2026)