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$93,653
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$96,566
−HK$2,960/mo
Today · 4.125%
HK$99,526
baseline
▲ 0.50% · 4.625%
HK$105,582
+HK$6,056/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,052/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,188
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,983
−HK$2,834/mo
Today · 4.125%
HK$109,817
baseline
▲ 0.50% · 4.625%
HK$115,606
+HK$5,789/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,634/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,384
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,880
−HK$3,551/mo
Today · 4.125%
HK$119,431
baseline
▲ 0.50% · 4.625%
HK$126,698
+HK$7,267/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$238,862/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,026
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,379
−HK$3,402/mo
Today · 4.125%
HK$131,781
baseline
▲ 0.50% · 4.625%
HK$138,727
+HK$6,946/mo
Deposit HK$16.43M · loan HK$24.64M · min. income ≈ HK$263,562/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,114
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,193
−HK$4,143/mo
Today · 4.125%
HK$139,336
baseline
▲ 0.50% · 4.625%
HK$147,815
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,672/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,864
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$149,776
−HK$3,968/mo
Today · 4.125%
HK$153,744
baseline
▲ 0.50% · 4.625%
HK$161,848
+HK$8,104/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,488/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,576
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$173,819
−HK$5,328/mo
Today · 4.125%
HK$179,147
baseline
▲ 0.50% · 4.625%
HK$190,048
+HK$10,901/mo
Deposit HK$4.11M · loan HK$36.96M · min. income ≈ HK$358,294/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,539
−HK$10,132/mo
▼ 0.25% · 3.875%
HK$192,569
−HK$5,102/mo
Today · 4.125%
HK$197,671
baseline
▲ 0.50% · 4.625%
HK$208,090
+HK$10,419/mo
Deposit HK$4.11M · loan HK$36.96M · min. income ≈ HK$395,342/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,532 · Scale 2, in force from 26 Feb 2026)