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$93,952
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,875
−HK$2,969/mo
Today · 4.125%
HK$99,844
baseline
▲ 0.50% · 4.625%
HK$105,919
+HK$6,075/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,688/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,521
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,324
−HK$2,844/mo
Today · 4.125%
HK$110,168
baseline
▲ 0.50% · 4.625%
HK$115,975
+HK$5,807/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,336/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,743
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,249
−HK$3,563/mo
Today · 4.125%
HK$119,812
baseline
▲ 0.50% · 4.625%
HK$127,103
+HK$7,291/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,624/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,425
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,789
−HK$3,412/mo
Today · 4.125%
HK$132,201
baseline
▲ 0.50% · 4.625%
HK$139,170
+HK$6,969/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,402/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,533
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$135,624
−HK$4,157/mo
Today · 4.125%
HK$139,781
baseline
▲ 0.50% · 4.625%
HK$148,287
+HK$8,506/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$279,562/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,329
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$150,254
−HK$3,981/mo
Today · 4.125%
HK$154,235
baseline
▲ 0.50% · 4.625%
HK$162,365
+HK$8,130/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$308,470/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,114
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$174,374
−HK$5,345/mo
Today · 4.125%
HK$179,719
baseline
▲ 0.50% · 4.625%
HK$190,654
+HK$10,935/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$359,438/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,137
−HK$10,165/mo
▼ 0.25% · 3.875%
HK$193,183
−HK$5,119/mo
Today · 4.125%
HK$198,302
baseline
▲ 0.50% · 4.625%
HK$208,755
+HK$10,453/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$396,604/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,104 · Scale 2, in force from 26 Feb 2026)