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$93,904
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,825
−HK$2,968/mo
Today · 4.125%
HK$99,793
baseline
▲ 0.50% · 4.625%
HK$105,865
+HK$6,072/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,586/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,468
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,269
−HK$2,843/mo
Today · 4.125%
HK$110,112
baseline
▲ 0.50% · 4.625%
HK$115,916
+HK$5,804/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,224/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,685
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,190
−HK$3,561/mo
Today · 4.125%
HK$119,751
baseline
▲ 0.50% · 4.625%
HK$127,038
+HK$7,287/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$239,502/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,361
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,723
−HK$3,411/mo
Today · 4.125%
HK$132,134
baseline
▲ 0.50% · 4.625%
HK$139,099
+HK$6,965/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$264,268/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,466
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,555
−HK$4,155/mo
Today · 4.125%
HK$139,710
baseline
▲ 0.50% · 4.625%
HK$148,211
+HK$8,501/mo
Deposit HK$12.35M · loan HK$28.83M · min. income ≈ HK$279,420/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,255
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,177
−HK$3,979/mo
Today · 4.125%
HK$154,156
baseline
▲ 0.50% · 4.625%
HK$162,282
+HK$8,126/mo
Deposit HK$12.35M · loan HK$28.83M · min. income ≈ HK$308,312/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,028
−HK$10,599/mo
▼ 0.25% · 3.875%
HK$174,285
−HK$5,342/mo
Today · 4.125%
HK$179,627
baseline
▲ 0.50% · 4.625%
HK$190,557
+HK$10,930/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$359,254/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,042
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$193,085
−HK$5,116/mo
Today · 4.125%
HK$198,201
baseline
▲ 0.50% · 4.625%
HK$208,648
+HK$10,447/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$396,402/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,212 · Scale 2, in force from 26 Feb 2026)