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$93,912
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,833
−HK$2,968/mo
Today · 4.125%
HK$99,801
baseline
▲ 0.50% · 4.625%
HK$105,874
+HK$6,073/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,602/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,476
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,278
−HK$2,843/mo
Today · 4.125%
HK$110,121
baseline
▲ 0.50% · 4.625%
HK$115,925
+HK$5,804/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,242/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,694
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,200
−HK$3,561/mo
Today · 4.125%
HK$119,761
baseline
▲ 0.50% · 4.625%
HK$127,049
+HK$7,288/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$239,522/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,371
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,734
−HK$3,411/mo
Today · 4.125%
HK$132,145
baseline
▲ 0.50% · 4.625%
HK$139,110
+HK$6,965/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$264,290/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,477
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,566
−HK$4,156/mo
Today · 4.125%
HK$139,722
baseline
▲ 0.50% · 4.625%
HK$148,223
+HK$8,501/mo
Deposit HK$12.36M · loan HK$28.83M · min. income ≈ HK$279,444/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,267
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,189
−HK$3,980/mo
Today · 4.125%
HK$154,169
baseline
▲ 0.50% · 4.625%
HK$162,295
+HK$8,126/mo
Deposit HK$12.36M · loan HK$28.83M · min. income ≈ HK$308,338/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,042
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$174,300
−HK$5,342/mo
Today · 4.125%
HK$179,642
baseline
▲ 0.50% · 4.625%
HK$190,573
+HK$10,931/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$359,284/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,057
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$193,101
−HK$5,116/mo
Today · 4.125%
HK$198,217
baseline
▲ 0.50% · 4.625%
HK$208,666
+HK$10,449/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$396,434/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,356 · Scale 2, in force from 26 Feb 2026)