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$93,894
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,814
−HK$2,968/mo
Today · 4.125%
HK$99,782
baseline
▲ 0.50% · 4.625%
HK$105,853
+HK$6,071/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,564/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,456
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,257
−HK$2,842/mo
Today · 4.125%
HK$110,099
baseline
▲ 0.50% · 4.625%
HK$115,903
+HK$5,804/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,198/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,673
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,177
−HK$3,561/mo
Today · 4.125%
HK$119,738
baseline
▲ 0.50% · 4.625%
HK$127,024
+HK$7,286/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$239,476/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,347
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,709
−HK$3,410/mo
Today · 4.125%
HK$132,119
baseline
▲ 0.50% · 4.625%
HK$139,083
+HK$6,964/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$264,238/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,451
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,540
−HK$4,155/mo
Today · 4.125%
HK$139,695
baseline
▲ 0.50% · 4.625%
HK$148,195
+HK$8,500/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,390/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,238
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,160
−HK$3,979/mo
Today · 4.125%
HK$154,139
baseline
▲ 0.50% · 4.625%
HK$162,264
+HK$8,125/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,278/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,009
−HK$10,598/mo
▼ 0.25% · 3.875%
HK$174,266
−HK$5,341/mo
Today · 4.125%
HK$179,607
baseline
▲ 0.50% · 4.625%
HK$190,536
+HK$10,929/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$359,214/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,021
−HK$10,158/mo
▼ 0.25% · 3.875%
HK$193,063
−HK$5,116/mo
Today · 4.125%
HK$198,179
baseline
▲ 0.50% · 4.625%
HK$208,625
+HK$10,446/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$396,358/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,017 · Scale 2, in force from 26 Feb 2026)