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$94,026
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,950
−HK$2,972/mo
Today · 4.125%
HK$99,922
baseline
▲ 0.50% · 4.625%
HK$106,002
+HK$6,080/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,844/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,603
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,408
−HK$2,846/mo
Today · 4.125%
HK$110,254
baseline
▲ 0.50% · 4.625%
HK$116,066
+HK$5,812/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,508/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,831
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$116,341
−HK$3,565/mo
Today · 4.125%
HK$119,906
baseline
▲ 0.50% · 4.625%
HK$127,202
+HK$7,296/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$239,812/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,523
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$128,890
−HK$3,415/mo
Today · 4.125%
HK$132,305
baseline
▲ 0.50% · 4.625%
HK$139,279
+HK$6,974/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$264,610/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,636
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,731
−HK$4,160/mo
Today · 4.125%
HK$139,891
baseline
▲ 0.50% · 4.625%
HK$148,403
+HK$8,512/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$279,782/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,444
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,371
−HK$3,985/mo
Today · 4.125%
HK$154,356
baseline
▲ 0.50% · 4.625%
HK$162,492
+HK$8,136/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$308,712/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,246
−HK$10,614/mo
▼ 0.25% · 3.875%
HK$174,511
−HK$5,349/mo
Today · 4.125%
HK$179,860
baseline
▲ 0.50% · 4.625%
HK$190,804
+HK$10,944/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$359,720/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,285
−HK$10,172/mo
▼ 0.25% · 3.875%
HK$193,335
−HK$5,122/mo
Today · 4.125%
HK$198,457
baseline
▲ 0.50% · 4.625%
HK$208,918
+HK$10,461/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$396,914/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,476 · Scale 2, in force from 26 Feb 2026)