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$93,978
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,902
−HK$2,970/mo
Today · 4.125%
HK$99,872
baseline
▲ 0.50% · 4.625%
HK$105,949
+HK$6,077/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,744/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,550
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,354
−HK$2,845/mo
Today · 4.125%
HK$110,199
baseline
▲ 0.50% · 4.625%
HK$116,007
+HK$5,808/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,398/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,774
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$116,282
−HK$3,564/mo
Today · 4.125%
HK$119,846
baseline
▲ 0.50% · 4.625%
HK$127,138
+HK$7,292/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$239,692/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,460
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,825
−HK$3,413/mo
Today · 4.125%
HK$132,238
baseline
▲ 0.50% · 4.625%
HK$139,209
+HK$6,971/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$264,476/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,570
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,662
−HK$4,158/mo
Today · 4.125%
HK$139,820
baseline
▲ 0.50% · 4.625%
HK$148,328
+HK$8,508/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$279,640/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,370
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,296
−HK$3,982/mo
Today · 4.125%
HK$154,278
baseline
▲ 0.50% · 4.625%
HK$162,410
+HK$8,132/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$308,556/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,161
−HK$10,608/mo
▼ 0.25% · 3.875%
HK$174,423
−HK$5,346/mo
Today · 4.125%
HK$179,769
baseline
▲ 0.50% · 4.625%
HK$190,708
+HK$10,939/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,538/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,190
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$193,237
−HK$5,120/mo
Today · 4.125%
HK$198,357
baseline
▲ 0.50% · 4.625%
HK$208,813
+HK$10,456/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,714/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,594 · Scale 2, in force from 26 Feb 2026)