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$93,844
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,763
−HK$2,966/mo
Today · 4.125%
HK$99,729
baseline
▲ 0.50% · 4.625%
HK$105,797
+HK$6,068/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,458/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,401
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,201
−HK$2,840/mo
Today · 4.125%
HK$110,041
baseline
▲ 0.50% · 4.625%
HK$115,842
+HK$5,801/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,082/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,613
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,116
−HK$3,559/mo
Today · 4.125%
HK$119,675
baseline
▲ 0.50% · 4.625%
HK$126,957
+HK$7,282/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,350/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,281
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,641
−HK$3,409/mo
Today · 4.125%
HK$132,050
baseline
▲ 0.50% · 4.625%
HK$139,010
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,100/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,382
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,469
−HK$4,152/mo
Today · 4.125%
HK$139,621
baseline
▲ 0.50% · 4.625%
HK$148,116
+HK$8,495/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,242/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,161
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,081
−HK$3,977/mo
Today · 4.125%
HK$154,058
baseline
▲ 0.50% · 4.625%
HK$162,178
+HK$8,120/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,116/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,920
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$174,174
−HK$5,339/mo
Today · 4.125%
HK$179,513
baseline
▲ 0.50% · 4.625%
HK$190,435
+HK$10,922/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,026/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,922
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$192,962
−HK$5,112/mo
Today · 4.125%
HK$198,074
baseline
▲ 0.50% · 4.625%
HK$208,515
+HK$10,441/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,148/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,095 · Scale 2, in force from 26 Feb 2026)