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$93,978
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,901
−HK$2,970/mo
Today · 4.125%
HK$99,871
baseline
▲ 0.50% · 4.625%
HK$105,948
+HK$6,077/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,742/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,549
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,353
−HK$2,845/mo
Today · 4.125%
HK$110,198
baseline
▲ 0.50% · 4.625%
HK$116,006
+HK$5,808/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,396/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,773
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$116,281
−HK$3,564/mo
Today · 4.125%
HK$119,845
baseline
▲ 0.50% · 4.625%
HK$127,138
+HK$7,293/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$239,690/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,459
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,824
−HK$3,413/mo
Today · 4.125%
HK$132,237
baseline
▲ 0.50% · 4.625%
HK$139,208
+HK$6,971/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$264,474/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,569
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,661
−HK$4,158/mo
Today · 4.125%
HK$139,819
baseline
▲ 0.50% · 4.625%
HK$148,327
+HK$8,508/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$279,638/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,369
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,295
−HK$3,982/mo
Today · 4.125%
HK$154,277
baseline
▲ 0.50% · 4.625%
HK$162,409
+HK$8,132/mo
Deposit HK$12.36M · loan HK$28.85M · min. income ≈ HK$308,554/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,160
−HK$10,608/mo
▼ 0.25% · 3.875%
HK$174,422
−HK$5,346/mo
Today · 4.125%
HK$179,768
baseline
▲ 0.50% · 4.625%
HK$190,706
+HK$10,938/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$359,536/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,189
−HK$10,167/mo
▼ 0.25% · 3.875%
HK$193,236
−HK$5,120/mo
Today · 4.125%
HK$198,356
baseline
▲ 0.50% · 4.625%
HK$208,812
+HK$10,456/mo
Deposit HK$4.12M · loan HK$37.09M · min. income ≈ HK$396,712/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,582 · Scale 2, in force from 26 Feb 2026)