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$93,782
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,699
−HK$2,964/mo
Today · 4.125%
HK$99,663
baseline
▲ 0.50% · 4.625%
HK$105,727
+HK$6,064/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,326/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,331
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$107,130
−HK$2,838/mo
Today · 4.125%
HK$109,968
baseline
▲ 0.50% · 4.625%
HK$115,765
+HK$5,797/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,936/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,538
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,039
−HK$3,556/mo
Today · 4.125%
HK$119,595
baseline
▲ 0.50% · 4.625%
HK$126,873
+HK$7,278/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$239,190/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,198
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,555
−HK$3,407/mo
Today · 4.125%
HK$131,962
baseline
▲ 0.50% · 4.625%
HK$138,918
+HK$6,956/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$263,924/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,295
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$135,379
−HK$4,149/mo
Today · 4.125%
HK$139,528
baseline
▲ 0.50% · 4.625%
HK$148,018
+HK$8,490/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$279,056/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,064
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,981
−HK$3,974/mo
Today · 4.125%
HK$153,955
baseline
▲ 0.50% · 4.625%
HK$162,071
+HK$8,116/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$307,910/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,807
−HK$10,586/mo
▼ 0.25% · 3.875%
HK$174,058
−HK$5,335/mo
Today · 4.125%
HK$179,393
baseline
▲ 0.50% · 4.625%
HK$190,309
+HK$10,916/mo
Deposit HK$4.11M · loan HK$37.02M · min. income ≈ HK$358,786/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,797
−HK$10,146/mo
▼ 0.25% · 3.875%
HK$192,833
−HK$5,110/mo
Today · 4.125%
HK$197,943
baseline
▲ 0.50% · 4.625%
HK$208,377
+HK$10,434/mo
Deposit HK$4.11M · loan HK$37.02M · min. income ≈ HK$395,886/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,932 · Scale 2, in force from 26 Feb 2026)