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$94,029
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,954
−HK$2,972/mo
Today · 4.125%
HK$99,926
baseline
▲ 0.50% · 4.625%
HK$106,006
+HK$6,080/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,852/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,607
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,412
−HK$2,846/mo
Today · 4.125%
HK$110,258
baseline
▲ 0.50% · 4.625%
HK$116,070
+HK$5,812/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,516/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,835
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,345
−HK$3,566/mo
Today · 4.125%
HK$119,911
baseline
▲ 0.50% · 4.625%
HK$127,207
+HK$7,296/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$239,822/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,528
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$128,895
−HK$3,415/mo
Today · 4.125%
HK$132,310
baseline
▲ 0.50% · 4.625%
HK$139,284
+HK$6,974/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$264,620/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,641
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,736
−HK$4,160/mo
Today · 4.125%
HK$139,896
baseline
▲ 0.50% · 4.625%
HK$148,409
+HK$8,513/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$279,792/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,449
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,377
−HK$3,985/mo
Today · 4.125%
HK$154,362
baseline
▲ 0.50% · 4.625%
HK$162,498
+HK$8,136/mo
Deposit HK$12.37M · loan HK$28.87M · min. income ≈ HK$308,724/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,253
−HK$10,613/mo
▼ 0.25% · 3.875%
HK$174,518
−HK$5,348/mo
Today · 4.125%
HK$179,866
baseline
▲ 0.50% · 4.625%
HK$190,811
+HK$10,945/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$359,732/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,292
−HK$10,173/mo
▼ 0.25% · 3.875%
HK$193,342
−HK$5,123/mo
Today · 4.125%
HK$198,465
baseline
▲ 0.50% · 4.625%
HK$208,926
+HK$10,461/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$396,930/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,544 · Scale 2, in force from 26 Feb 2026)