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$93,828
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,746
−HK$2,966/mo
Today · 4.125%
HK$99,712
baseline
▲ 0.50% · 4.625%
HK$105,779
+HK$6,067/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$199,424/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,382
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,182
−HK$2,840/mo
Today · 4.125%
HK$110,022
baseline
▲ 0.50% · 4.625%
HK$115,821
+HK$5,799/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$220,044/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,593
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,096
−HK$3,558/mo
Today · 4.125%
HK$119,654
baseline
▲ 0.50% · 4.625%
HK$126,935
+HK$7,281/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,308/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,259
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,618
−HK$3,408/mo
Today · 4.125%
HK$132,026
baseline
▲ 0.50% · 4.625%
HK$138,986
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,052/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,359
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,445
−HK$4,151/mo
Today · 4.125%
HK$139,596
baseline
▲ 0.50% · 4.625%
HK$148,090
+HK$8,494/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$279,192/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,135
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,055
−HK$3,976/mo
Today · 4.125%
HK$154,031
baseline
▲ 0.50% · 4.625%
HK$162,150
+HK$8,119/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$308,062/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,890
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$174,143
−HK$5,338/mo
Today · 4.125%
HK$179,481
baseline
▲ 0.50% · 4.625%
HK$190,402
+HK$10,921/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$358,962/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,888
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$192,927
−HK$5,112/mo
Today · 4.125%
HK$198,039
baseline
▲ 0.50% · 4.625%
HK$208,478
+HK$10,439/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$396,078/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,786 · Scale 2, in force from 26 Feb 2026)