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$93,817
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,736
−HK$2,964/mo
Today · 4.125%
HK$99,700
baseline
▲ 0.50% · 4.625%
HK$105,767
+HK$6,067/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$199,400/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,371
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,170
−HK$2,840/mo
Today · 4.125%
HK$110,010
baseline
▲ 0.50% · 4.625%
HK$115,808
+HK$5,798/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$220,020/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,581
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,083
−HK$3,558/mo
Today · 4.125%
HK$119,641
baseline
▲ 0.50% · 4.625%
HK$126,920
+HK$7,279/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,282/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,245
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,604
−HK$3,408/mo
Today · 4.125%
HK$132,012
baseline
▲ 0.50% · 4.625%
HK$138,970
+HK$6,958/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,024/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,344
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,430
−HK$4,151/mo
Today · 4.125%
HK$139,581
baseline
▲ 0.50% · 4.625%
HK$148,074
+HK$8,493/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$279,162/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,119
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,038
−HK$3,975/mo
Today · 4.125%
HK$154,013
baseline
▲ 0.50% · 4.625%
HK$162,132
+HK$8,119/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$308,026/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,871
−HK$10,590/mo
▼ 0.25% · 3.875%
HK$174,124
−HK$5,337/mo
Today · 4.125%
HK$179,461
baseline
▲ 0.50% · 4.625%
HK$190,381
+HK$10,920/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$358,922/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,867
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$192,906
−HK$5,111/mo
Today · 4.125%
HK$198,017
baseline
▲ 0.50% · 4.625%
HK$208,455
+HK$10,438/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$396,034/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,591 · Scale 2, in force from 26 Feb 2026)