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$93,453
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,360
−HK$2,953/mo
Today · 4.125%
HK$99,313
baseline
▲ 0.50% · 4.625%
HK$105,356
+HK$6,043/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,626/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,965
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,754
−HK$2,828/mo
Today · 4.125%
HK$109,582
baseline
▲ 0.50% · 4.625%
HK$115,358
+HK$5,776/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,164/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,143
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,632
−HK$3,544/mo
Today · 4.125%
HK$119,176
baseline
▲ 0.50% · 4.625%
HK$126,427
+HK$7,251/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$238,352/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,758
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,104
−HK$3,395/mo
Today · 4.125%
HK$131,499
baseline
▲ 0.50% · 4.625%
HK$138,430
+HK$6,931/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$262,998/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,834
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$134,904
−HK$4,134/mo
Today · 4.125%
HK$139,038
baseline
▲ 0.50% · 4.625%
HK$147,499
+HK$8,461/mo
Deposit HK$12.30M · loan HK$28.69M · min. income ≈ HK$278,076/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,551
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$149,455
−HK$3,960/mo
Today · 4.125%
HK$153,415
baseline
▲ 0.50% · 4.625%
HK$161,502
+HK$8,087/mo
Deposit HK$12.30M · loan HK$28.69M · min. income ≈ HK$306,830/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,215
−HK$10,549/mo
▼ 0.25% · 3.875%
HK$173,447
−HK$5,317/mo
Today · 4.125%
HK$178,764
baseline
▲ 0.50% · 4.625%
HK$189,641
+HK$10,877/mo
Deposit HK$4.10M · loan HK$36.89M · min. income ≈ HK$357,528/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,138
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$192,156
−HK$5,092/mo
Today · 4.125%
HK$197,248
baseline
▲ 0.50% · 4.625%
HK$207,645
+HK$10,397/mo
Deposit HK$4.10M · loan HK$36.89M · min. income ≈ HK$394,496/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,798 · Scale 2, in force from 26 Feb 2026)