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$93,968
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,891
−HK$2,969/mo
Today · 4.125%
HK$99,860
baseline
▲ 0.50% · 4.625%
HK$105,936
+HK$6,076/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,720/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,538
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,342
−HK$2,844/mo
Today · 4.125%
HK$110,186
baseline
▲ 0.50% · 4.625%
HK$115,994
+HK$5,808/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,372/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,761
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,269
−HK$3,563/mo
Today · 4.125%
HK$119,832
baseline
▲ 0.50% · 4.625%
HK$127,124
+HK$7,292/mo
Deposit HK$16.48M · loan HK$24.73M · min. income ≈ HK$239,664/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,446
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,810
−HK$3,413/mo
Today · 4.125%
HK$132,223
baseline
▲ 0.50% · 4.625%
HK$139,193
+HK$6,970/mo
Deposit HK$16.48M · loan HK$24.73M · min. income ≈ HK$264,446/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,555
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$135,647
−HK$4,157/mo
Today · 4.125%
HK$139,804
baseline
▲ 0.50% · 4.625%
HK$148,311
+HK$8,507/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$279,608/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,353
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,278
−HK$3,982/mo
Today · 4.125%
HK$154,260
baseline
▲ 0.50% · 4.625%
HK$162,391
+HK$8,131/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$308,520/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,142
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$174,403
−HK$5,345/mo
Today · 4.125%
HK$179,748
baseline
▲ 0.50% · 4.625%
HK$190,686
+HK$10,938/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,496/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,168
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$193,215
−HK$5,120/mo
Today · 4.125%
HK$198,335
baseline
▲ 0.50% · 4.625%
HK$208,789
+HK$10,454/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,670/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,393 · Scale 2, in force from 26 Feb 2026)