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$93,029
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$95,922
−HK$2,940/mo
Today · 4.125%
HK$98,862
baseline
▲ 0.50% · 4.625%
HK$104,878
+HK$6,016/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,724/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,493
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,269
−HK$2,816/mo
Today · 4.125%
HK$109,085
baseline
▲ 0.50% · 4.625%
HK$114,835
+HK$5,750/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,170/mo (50% DSR)
Upfront cash ≈ HK$22.13M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,634
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,107
−HK$3,528/mo
Today · 4.125%
HK$118,635
baseline
▲ 0.50% · 4.625%
HK$125,853
+HK$7,218/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,270/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,192
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,523
−HK$3,379/mo
Today · 4.125%
HK$130,902
baseline
▲ 0.50% · 4.625%
HK$137,802
+HK$6,900/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,804/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,240
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$134,291
−HK$4,116/mo
Today · 4.125%
HK$138,407
baseline
▲ 0.50% · 4.625%
HK$146,829
+HK$8,422/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$276,814/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,891
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$148,777
−HK$3,942/mo
Today · 4.125%
HK$152,719
baseline
▲ 0.50% · 4.625%
HK$160,769
+HK$8,050/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$305,438/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,452
−HK$10,500/mo
▼ 0.25% · 3.875%
HK$172,660
−HK$5,292/mo
Today · 4.125%
HK$177,952
baseline
▲ 0.50% · 4.625%
HK$188,780
+HK$10,828/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$355,904/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,288
−HK$10,065/mo
▼ 0.25% · 3.875%
HK$191,284
−HK$5,069/mo
Today · 4.125%
HK$196,353
baseline
▲ 0.50% · 4.625%
HK$206,703
+HK$10,350/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$392,706/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,733,891 · Scale 2, in force from 26 Feb 2026)