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$93,447
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,354
−HK$2,953/mo
Today · 4.125%
HK$99,307
baseline
▲ 0.50% · 4.625%
HK$105,350
+HK$6,043/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,614/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,959
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,748
−HK$2,828/mo
Today · 4.125%
HK$109,576
baseline
▲ 0.50% · 4.625%
HK$115,352
+HK$5,776/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,152/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,137
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,625
−HK$3,544/mo
Today · 4.125%
HK$119,169
baseline
▲ 0.50% · 4.625%
HK$126,420
+HK$7,251/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$238,338/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,751
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,097
−HK$3,394/mo
Today · 4.125%
HK$131,491
baseline
▲ 0.50% · 4.625%
HK$138,422
+HK$6,931/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$262,982/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,826
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$134,896
−HK$4,134/mo
Today · 4.125%
HK$139,030
baseline
▲ 0.50% · 4.625%
HK$147,490
+HK$8,460/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$278,060/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,543
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$149,447
−HK$3,959/mo
Today · 4.125%
HK$153,406
baseline
▲ 0.50% · 4.625%
HK$161,493
+HK$8,087/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$306,812/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,205
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$173,438
−HK$5,315/mo
Today · 4.125%
HK$178,753
baseline
▲ 0.50% · 4.625%
HK$189,630
+HK$10,877/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$357,506/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,127
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$192,146
−HK$5,091/mo
Today · 4.125%
HK$197,237
baseline
▲ 0.50% · 4.625%
HK$207,633
+HK$10,396/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$394,474/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,698 · Scale 2, in force from 26 Feb 2026)