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$93,962
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,885
−HK$2,970/mo
Today · 4.125%
HK$99,855
baseline
▲ 0.50% · 4.625%
HK$105,931
+HK$6,076/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$199,710/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,532
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,336
−HK$2,844/mo
Today · 4.125%
HK$110,180
baseline
▲ 0.50% · 4.625%
HK$115,987
+HK$5,807/mo
Deposit HK$20.60M · loan HK$20.60M · min. income ≈ HK$220,360/mo (50% DSR)
Upfront cash ≈ HK$22.35M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,755
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,262
−HK$3,564/mo
Today · 4.125%
HK$119,826
baseline
▲ 0.50% · 4.625%
HK$127,117
+HK$7,291/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$239,652/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,439
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,803
−HK$3,413/mo
Today · 4.125%
HK$132,216
baseline
▲ 0.50% · 4.625%
HK$139,185
+HK$6,969/mo
Deposit HK$16.48M · loan HK$24.72M · min. income ≈ HK$264,432/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,547
−HK$8,249/mo
▼ 0.25% · 3.875%
HK$135,639
−HK$4,157/mo
Today · 4.125%
HK$139,796
baseline
▲ 0.50% · 4.625%
HK$148,303
+HK$8,507/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$279,592/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,345
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,270
−HK$3,982/mo
Today · 4.125%
HK$154,252
baseline
▲ 0.50% · 4.625%
HK$162,382
+HK$8,130/mo
Deposit HK$12.36M · loan HK$28.84M · min. income ≈ HK$308,504/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,132
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$174,393
−HK$5,345/mo
Today · 4.125%
HK$179,738
baseline
▲ 0.50% · 4.625%
HK$190,675
+HK$10,937/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,476/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,158
−HK$10,165/mo
▼ 0.25% · 3.875%
HK$193,204
−HK$5,119/mo
Today · 4.125%
HK$198,323
baseline
▲ 0.50% · 4.625%
HK$208,777
+HK$10,454/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,646/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,294 · Scale 2, in force from 26 Feb 2026)