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$93,837
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,756
−HK$2,965/mo
Today · 4.125%
HK$99,721
baseline
▲ 0.50% · 4.625%
HK$105,789
+HK$6,068/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,442/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,393
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,192
−HK$2,841/mo
Today · 4.125%
HK$110,033
baseline
▲ 0.50% · 4.625%
HK$115,833
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,066/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,604
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,107
−HK$3,558/mo
Today · 4.125%
HK$119,665
baseline
▲ 0.50% · 4.625%
HK$126,947
+HK$7,282/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,330/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,271
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,631
−HK$3,408/mo
Today · 4.125%
HK$132,039
baseline
▲ 0.50% · 4.625%
HK$138,999
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,078/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,372
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,458
−HK$4,152/mo
Today · 4.125%
HK$139,610
baseline
▲ 0.50% · 4.625%
HK$148,105
+HK$8,495/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,220/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,150
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,069
−HK$3,977/mo
Today · 4.125%
HK$154,046
baseline
▲ 0.50% · 4.625%
HK$162,166
+HK$8,120/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,092/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,906
−HK$10,592/mo
▼ 0.25% · 3.875%
HK$174,160
−HK$5,338/mo
Today · 4.125%
HK$179,498
baseline
▲ 0.50% · 4.625%
HK$190,420
+HK$10,922/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$358,996/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,907
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$192,946
−HK$5,113/mo
Today · 4.125%
HK$198,059
baseline
▲ 0.50% · 4.625%
HK$208,499
+HK$10,440/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,118/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,955 · Scale 2, in force from 26 Feb 2026)