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$93,571
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,482
−HK$2,957/mo
Today · 4.125%
HK$99,439
baseline
▲ 0.50% · 4.625%
HK$105,489
+HK$6,050/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,878/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,097
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$106,889
−HK$2,832/mo
Today · 4.125%
HK$109,721
baseline
▲ 0.50% · 4.625%
HK$115,504
+HK$5,783/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,442/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,285
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,778
−HK$3,549/mo
Today · 4.125%
HK$119,327
baseline
▲ 0.50% · 4.625%
HK$126,587
+HK$7,260/mo
Deposit HK$16.41M · loan HK$24.62M · min. income ≈ HK$238,654/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,916
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,266
−HK$3,399/mo
Today · 4.125%
HK$131,665
baseline
▲ 0.50% · 4.625%
HK$138,605
+HK$6,940/mo
Deposit HK$16.41M · loan HK$24.62M · min. income ≈ HK$263,330/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,999
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,074
−HK$4,140/mo
Today · 4.125%
HK$139,214
baseline
▲ 0.50% · 4.625%
HK$147,685
+HK$8,471/mo
Deposit HK$12.31M · loan HK$28.72M · min. income ≈ HK$278,428/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,736
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$149,644
−HK$3,965/mo
Today · 4.125%
HK$153,609
baseline
▲ 0.50% · 4.625%
HK$161,706
+HK$8,097/mo
Deposit HK$12.31M · loan HK$28.72M · min. income ≈ HK$307,218/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,428
−HK$10,562/mo
▼ 0.25% · 3.875%
HK$173,667
−HK$5,323/mo
Today · 4.125%
HK$178,990
baseline
▲ 0.50% · 4.625%
HK$189,881
+HK$10,891/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$357,980/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,374
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,400
−HK$5,098/mo
Today · 4.125%
HK$197,498
baseline
▲ 0.50% · 4.625%
HK$207,908
+HK$10,410/mo
Deposit HK$4.10M · loan HK$36.93M · min. income ≈ HK$394,996/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,001 · Scale 2, in force from 26 Feb 2026)