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$93,480
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$96,388
−HK$2,955/mo
Today · 4.125%
HK$99,343
baseline
▲ 0.50% · 4.625%
HK$105,387
+HK$6,044/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$198,686/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,996
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$106,785
−HK$2,830/mo
Today · 4.125%
HK$109,615
baseline
▲ 0.50% · 4.625%
HK$115,393
+HK$5,778/mo
Deposit HK$20.50M · loan HK$20.50M · min. income ≈ HK$219,230/mo (50% DSR)
Upfront cash ≈ HK$22.24M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,177
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$115,666
−HK$3,545/mo
Today · 4.125%
HK$119,211
baseline
▲ 0.50% · 4.625%
HK$126,465
+HK$7,254/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$238,422/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,795
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,142
−HK$3,396/mo
Today · 4.125%
HK$131,538
baseline
▲ 0.50% · 4.625%
HK$138,471
+HK$6,933/mo
Deposit HK$16.40M · loan HK$24.60M · min. income ≈ HK$263,076/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,873
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$134,944
−HK$4,136/mo
Today · 4.125%
HK$139,080
baseline
▲ 0.50% · 4.625%
HK$147,542
+HK$8,462/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$278,160/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,595
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$149,499
−HK$3,962/mo
Today · 4.125%
HK$153,461
baseline
▲ 0.50% · 4.625%
HK$161,550
+HK$8,089/mo
Deposit HK$12.30M · loan HK$28.70M · min. income ≈ HK$306,922/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,265
−HK$10,552/mo
▼ 0.25% · 3.875%
HK$173,499
−HK$5,318/mo
Today · 4.125%
HK$178,817
baseline
▲ 0.50% · 4.625%
HK$189,697
+HK$10,880/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$357,634/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,193
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$192,213
−HK$5,093/mo
Today · 4.125%
HK$197,306
baseline
▲ 0.50% · 4.625%
HK$207,707
+HK$10,401/mo
Deposit HK$4.10M · loan HK$36.90M · min. income ≈ HK$394,612/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,742,314 · Scale 2, in force from 26 Feb 2026)