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$93,703
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,618
−HK$2,961/mo
Today · 4.125%
HK$99,579
baseline
▲ 0.50% · 4.625%
HK$105,638
+HK$6,059/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,158/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,244
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,040
−HK$2,836/mo
Today · 4.125%
HK$109,876
baseline
▲ 0.50% · 4.625%
HK$115,668
+HK$5,792/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,752/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,444
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,942
−HK$3,553/mo
Today · 4.125%
HK$119,495
baseline
▲ 0.50% · 4.625%
HK$126,766
+HK$7,271/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$238,990/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,093
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,448
−HK$3,403/mo
Today · 4.125%
HK$131,851
baseline
▲ 0.50% · 4.625%
HK$138,801
+HK$6,950/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,702/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,185
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,265
−HK$4,146/mo
Today · 4.125%
HK$139,411
baseline
▲ 0.50% · 4.625%
HK$147,894
+HK$8,483/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$278,822/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,942
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,856
−HK$3,970/mo
Today · 4.125%
HK$153,826
baseline
▲ 0.50% · 4.625%
HK$161,935
+HK$8,109/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$307,652/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,666
−HK$10,577/mo
▼ 0.25% · 3.875%
HK$173,912
−HK$5,331/mo
Today · 4.125%
HK$179,243
baseline
▲ 0.50% · 4.625%
HK$190,149
+HK$10,906/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$358,486/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,639
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$192,671
−HK$5,106/mo
Today · 4.125%
HK$197,777
baseline
▲ 0.50% · 4.625%
HK$208,202
+HK$10,425/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$395,554/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,466 · Scale 2, in force from 26 Feb 2026)