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$93,598
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$96,510
−HK$2,958/mo
Today · 4.125%
HK$99,468
baseline
▲ 0.50% · 4.625%
HK$105,520
+HK$6,052/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,936/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,127
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,920
−HK$2,833/mo
Today · 4.125%
HK$109,753
baseline
▲ 0.50% · 4.625%
HK$115,538
+HK$5,785/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,506/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,318
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$115,812
−HK$3,549/mo
Today · 4.125%
HK$119,361
baseline
▲ 0.50% · 4.625%
HK$126,624
+HK$7,263/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$238,722/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,952
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,304
−HK$3,399/mo
Today · 4.125%
HK$131,703
baseline
▲ 0.50% · 4.625%
HK$138,645
+HK$6,942/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$263,406/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,037
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,113
−HK$4,142/mo
Today · 4.125%
HK$139,255
baseline
▲ 0.50% · 4.625%
HK$147,728
+HK$8,473/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$278,510/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,778
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,688
−HK$3,966/mo
Today · 4.125%
HK$153,654
baseline
▲ 0.50% · 4.625%
HK$161,753
+HK$8,099/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$307,308/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,477
−HK$10,565/mo
▼ 0.25% · 3.875%
HK$173,717
−HK$5,325/mo
Today · 4.125%
HK$179,042
baseline
▲ 0.50% · 4.625%
HK$189,936
+HK$10,894/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$358,084/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,429
−HK$10,126/mo
▼ 0.25% · 3.875%
HK$192,455
−HK$5,100/mo
Today · 4.125%
HK$197,555
baseline
▲ 0.50% · 4.625%
HK$207,968
+HK$10,413/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$395,110/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,507 · Scale 2, in force from 26 Feb 2026)