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$93,121
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$96,017
−HK$2,943/mo
Today · 4.125%
HK$98,960
baseline
▲ 0.50% · 4.625%
HK$104,982
+HK$6,022/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$197,920/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,596
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$106,374
−HK$2,819/mo
Today · 4.125%
HK$109,193
baseline
▲ 0.50% · 4.625%
HK$114,949
+HK$5,756/mo
Deposit HK$20.42M · loan HK$20.42M · min. income ≈ HK$218,386/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,745
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,221
−HK$3,531/mo
Today · 4.125%
HK$118,752
baseline
▲ 0.50% · 4.625%
HK$125,978
+HK$7,226/mo
Deposit HK$16.34M · loan HK$24.50M · min. income ≈ HK$237,504/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,315
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,649
−HK$3,382/mo
Today · 4.125%
HK$131,031
baseline
▲ 0.50% · 4.625%
HK$137,938
+HK$6,907/mo
Deposit HK$16.34M · loan HK$24.50M · min. income ≈ HK$262,062/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,369
−HK$8,175/mo
▼ 0.25% · 3.875%
HK$134,424
−HK$4,120/mo
Today · 4.125%
HK$138,544
baseline
▲ 0.50% · 4.625%
HK$146,974
+HK$8,430/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$277,088/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,034
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$148,924
−HK$3,946/mo
Today · 4.125%
HK$152,870
baseline
▲ 0.50% · 4.625%
HK$160,928
+HK$8,058/mo
Deposit HK$12.25M · loan HK$28.59M · min. income ≈ HK$305,740/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,617
−HK$10,511/mo
▼ 0.25% · 3.875%
HK$172,831
−HK$5,297/mo
Today · 4.125%
HK$178,128
baseline
▲ 0.50% · 4.625%
HK$188,967
+HK$10,839/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$356,256/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,473
−HK$10,074/mo
▼ 0.25% · 3.875%
HK$191,474
−HK$5,073/mo
Today · 4.125%
HK$196,547
baseline
▲ 0.50% · 4.625%
HK$206,907
+HK$10,360/mo
Deposit HK$4.08M · loan HK$36.75M · min. income ≈ HK$393,094/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,609 · Scale 2, in force from 26 Feb 2026)