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$93,617
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,529
−HK$2,959/mo
Today · 4.125%
HK$99,488
baseline
▲ 0.50% · 4.625%
HK$105,542
+HK$6,054/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$198,976/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,148
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$106,942
−HK$2,833/mo
Today · 4.125%
HK$109,775
baseline
▲ 0.50% · 4.625%
HK$115,562
+HK$5,787/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$219,550/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,341
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$115,835
−HK$3,551/mo
Today · 4.125%
HK$119,386
baseline
▲ 0.50% · 4.625%
HK$126,650
+HK$7,264/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$238,772/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,978
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,330
−HK$3,400/mo
Today · 4.125%
HK$131,730
baseline
▲ 0.50% · 4.625%
HK$138,674
+HK$6,944/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$263,460/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,064
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,141
−HK$4,142/mo
Today · 4.125%
HK$139,283
baseline
▲ 0.50% · 4.625%
HK$147,758
+HK$8,475/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$278,566/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,808
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,718
−HK$3,967/mo
Today · 4.125%
HK$153,685
baseline
▲ 0.50% · 4.625%
HK$161,786
+HK$8,101/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$307,370/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,511
−HK$10,567/mo
▼ 0.25% · 3.875%
HK$173,753
−HK$5,325/mo
Today · 4.125%
HK$179,078
baseline
▲ 0.50% · 4.625%
HK$189,975
+HK$10,897/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$358,156/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,467
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$192,495
−HK$5,100/mo
Today · 4.125%
HK$197,595
baseline
▲ 0.50% · 4.625%
HK$208,011
+HK$10,416/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$395,190/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,864 · Scale 2, in force from 26 Feb 2026)