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$93,903
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,824
−HK$2,968/mo
Today · 4.125%
HK$99,792
baseline
▲ 0.50% · 4.625%
HK$105,864
+HK$6,072/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,584/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,466
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,268
−HK$2,842/mo
Today · 4.125%
HK$110,110
baseline
▲ 0.50% · 4.625%
HK$115,914
+HK$5,804/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,220/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,684
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,189
−HK$3,561/mo
Today · 4.125%
HK$119,750
baseline
▲ 0.50% · 4.625%
HK$127,036
+HK$7,286/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$239,500/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,359
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,722
−HK$3,410/mo
Today · 4.125%
HK$132,132
baseline
▲ 0.50% · 4.625%
HK$139,097
+HK$6,965/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$264,264/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,464
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,554
−HK$4,154/mo
Today · 4.125%
HK$139,708
baseline
▲ 0.50% · 4.625%
HK$148,209
+HK$8,501/mo
Deposit HK$12.35M · loan HK$28.83M · min. income ≈ HK$279,416/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,253
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,175
−HK$3,979/mo
Today · 4.125%
HK$154,154
baseline
▲ 0.50% · 4.625%
HK$162,280
+HK$8,126/mo
Deposit HK$12.35M · loan HK$28.83M · min. income ≈ HK$308,308/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,026
−HK$10,599/mo
▼ 0.25% · 3.875%
HK$174,283
−HK$5,342/mo
Today · 4.125%
HK$179,625
baseline
▲ 0.50% · 4.625%
HK$190,555
+HK$10,930/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$359,250/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,039
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$193,082
−HK$5,116/mo
Today · 4.125%
HK$198,198
baseline
▲ 0.50% · 4.625%
HK$208,646
+HK$10,448/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$396,396/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,190 · Scale 2, in force from 26 Feb 2026)