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$93,777
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,694
−HK$2,964/mo
Today · 4.125%
HK$99,658
baseline
▲ 0.50% · 4.625%
HK$105,722
+HK$6,064/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,316/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,326
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,124
−HK$2,838/mo
Today · 4.125%
HK$109,962
baseline
▲ 0.50% · 4.625%
HK$115,759
+HK$5,797/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,924/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,532
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,033
−HK$3,556/mo
Today · 4.125%
HK$119,589
baseline
▲ 0.50% · 4.625%
HK$126,866
+HK$7,277/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$239,178/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,191
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,549
−HK$3,406/mo
Today · 4.125%
HK$131,955
baseline
▲ 0.50% · 4.625%
HK$138,910
+HK$6,955/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$263,910/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,288
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$135,372
−HK$4,149/mo
Today · 4.125%
HK$139,521
baseline
▲ 0.50% · 4.625%
HK$148,010
+HK$8,489/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$279,042/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,056
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,974
−HK$3,973/mo
Today · 4.125%
HK$153,947
baseline
▲ 0.50% · 4.625%
HK$162,062
+HK$8,115/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$307,894/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,799
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$174,049
−HK$5,335/mo
Today · 4.125%
HK$179,384
baseline
▲ 0.50% · 4.625%
HK$190,299
+HK$10,915/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$358,768/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,787
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$192,823
−HK$5,109/mo
Today · 4.125%
HK$197,932
baseline
▲ 0.50% · 4.625%
HK$208,366
+HK$10,434/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$395,864/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,841 · Scale 2, in force from 26 Feb 2026)