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$93,747
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,663
−HK$2,963/mo
Today · 4.125%
HK$99,626
baseline
▲ 0.50% · 4.625%
HK$105,688
+HK$6,062/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,252/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,292
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,090
−HK$2,837/mo
Today · 4.125%
HK$109,927
baseline
▲ 0.50% · 4.625%
HK$115,721
+HK$5,794/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,854/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,496
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$115,996
−HK$3,555/mo
Today · 4.125%
HK$119,551
baseline
▲ 0.50% · 4.625%
HK$126,825
+HK$7,274/mo
Deposit HK$16.44M · loan HK$24.67M · min. income ≈ HK$239,102/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,151
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$128,507
−HK$3,405/mo
Today · 4.125%
HK$131,912
baseline
▲ 0.50% · 4.625%
HK$138,866
+HK$6,954/mo
Deposit HK$16.44M · loan HK$24.67M · min. income ≈ HK$263,824/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,246
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$135,328
−HK$4,148/mo
Today · 4.125%
HK$139,476
baseline
▲ 0.50% · 4.625%
HK$147,963
+HK$8,487/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$278,952/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,009
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,925
−HK$3,973/mo
Today · 4.125%
HK$153,898
baseline
▲ 0.50% · 4.625%
HK$162,010
+HK$8,112/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$307,796/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,744
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$173,993
−HK$5,333/mo
Today · 4.125%
HK$179,326
baseline
▲ 0.50% · 4.625%
HK$190,238
+HK$10,912/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$358,652/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,726
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$192,761
−HK$5,108/mo
Today · 4.125%
HK$197,869
baseline
▲ 0.50% · 4.625%
HK$208,299
+HK$10,430/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$395,738/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,278 · Scale 2, in force from 26 Feb 2026)