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$93,945
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$96,867
−HK$2,969/mo
Today · 4.125%
HK$99,836
baseline
▲ 0.50% · 4.625%
HK$105,911
+HK$6,075/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,672/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,513
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,316
−HK$2,844/mo
Today · 4.125%
HK$110,160
baseline
▲ 0.50% · 4.625%
HK$115,966
+HK$5,806/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,320/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,734
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,241
−HK$3,563/mo
Today · 4.125%
HK$119,804
baseline
▲ 0.50% · 4.625%
HK$127,093
+HK$7,289/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,608/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,416
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,779
−HK$3,413/mo
Today · 4.125%
HK$132,192
baseline
▲ 0.50% · 4.625%
HK$139,160
+HK$6,968/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,384/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,523
−HK$8,248/mo
▼ 0.25% · 3.875%
HK$135,614
−HK$4,157/mo
Today · 4.125%
HK$139,771
baseline
▲ 0.50% · 4.625%
HK$148,276
+HK$8,505/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$279,542/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,318
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,242
−HK$3,981/mo
Today · 4.125%
HK$154,223
baseline
▲ 0.50% · 4.625%
HK$162,353
+HK$8,130/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$308,446/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,101
−HK$10,604/mo
▼ 0.25% · 3.875%
HK$174,361
−HK$5,344/mo
Today · 4.125%
HK$179,705
baseline
▲ 0.50% · 4.625%
HK$190,640
+HK$10,935/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$359,410/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,124
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$193,169
−HK$5,118/mo
Today · 4.125%
HK$198,287
baseline
▲ 0.50% · 4.625%
HK$208,739
+HK$10,452/mo
Deposit HK$4.12M · loan HK$37.08M · min. income ≈ HK$396,574/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,975 · Scale 2, in force from 26 Feb 2026)