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$93,880
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,800
−HK$2,967/mo
Today · 4.125%
HK$99,767
baseline
▲ 0.50% · 4.625%
HK$105,838
+HK$6,071/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,534/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,440
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,242
−HK$2,841/mo
Today · 4.125%
HK$110,083
baseline
▲ 0.50% · 4.625%
HK$115,886
+HK$5,803/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,166/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,656
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,160
−HK$3,560/mo
Today · 4.125%
HK$119,720
baseline
▲ 0.50% · 4.625%
HK$127,005
+HK$7,285/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,440/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,329
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,690
−HK$3,410/mo
Today · 4.125%
HK$132,100
baseline
▲ 0.50% · 4.625%
HK$139,063
+HK$6,963/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,200/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,432
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,520
−HK$4,154/mo
Today · 4.125%
HK$139,674
baseline
▲ 0.50% · 4.625%
HK$148,173
+HK$8,499/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,348/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,217
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,138
−HK$3,978/mo
Today · 4.125%
HK$154,116
baseline
▲ 0.50% · 4.625%
HK$162,240
+HK$8,124/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,232/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,984
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$174,240
−HK$5,341/mo
Today · 4.125%
HK$179,581
baseline
▲ 0.50% · 4.625%
HK$190,508
+HK$10,927/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$359,162/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,993
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,035
−HK$5,115/mo
Today · 4.125%
HK$198,150
baseline
▲ 0.50% · 4.625%
HK$208,594
+HK$10,444/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$396,300/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,759 · Scale 2, in force from 26 Feb 2026)