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$93,914
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,836
−HK$2,968/mo
Today · 4.125%
HK$99,804
baseline
▲ 0.50% · 4.625%
HK$105,876
+HK$6,072/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,608/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,479
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,281
−HK$2,842/mo
Today · 4.125%
HK$110,123
baseline
▲ 0.50% · 4.625%
HK$115,928
+HK$5,805/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,246/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,697
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,203
−HK$3,561/mo
Today · 4.125%
HK$119,764
baseline
▲ 0.50% · 4.625%
HK$127,052
+HK$7,288/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$239,528/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,374
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,737
−HK$3,411/mo
Today · 4.125%
HK$132,148
baseline
▲ 0.50% · 4.625%
HK$139,114
+HK$6,966/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$264,296/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,480
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,570
−HK$4,155/mo
Today · 4.125%
HK$139,725
baseline
▲ 0.50% · 4.625%
HK$148,227
+HK$8,502/mo
Deposit HK$12.36M · loan HK$28.83M · min. income ≈ HK$279,450/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,270
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,193
−HK$3,980/mo
Today · 4.125%
HK$154,173
baseline
▲ 0.50% · 4.625%
HK$162,299
+HK$8,126/mo
Deposit HK$12.36M · loan HK$28.83M · min. income ≈ HK$308,346/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,046
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$174,304
−HK$5,342/mo
Today · 4.125%
HK$179,646
baseline
▲ 0.50% · 4.625%
HK$190,578
+HK$10,932/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$359,292/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,062
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$193,105
−HK$5,117/mo
Today · 4.125%
HK$198,222
baseline
▲ 0.50% · 4.625%
HK$208,671
+HK$10,449/mo
Deposit HK$4.12M · loan HK$37.07M · min. income ≈ HK$396,444/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,400 · Scale 2, in force from 26 Feb 2026)