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$93,757
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,674
−HK$2,963/mo
Today · 4.125%
HK$99,637
baseline
▲ 0.50% · 4.625%
HK$105,699
+HK$6,062/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,274/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,304
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,102
−HK$2,837/mo
Today · 4.125%
HK$109,939
baseline
▲ 0.50% · 4.625%
HK$115,734
+HK$5,795/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,878/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,509
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,008
−HK$3,556/mo
Today · 4.125%
HK$119,564
baseline
▲ 0.50% · 4.625%
HK$126,839
+HK$7,275/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$239,128/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,165
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,522
−HK$3,405/mo
Today · 4.125%
HK$131,927
baseline
▲ 0.50% · 4.625%
HK$138,881
+HK$6,954/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$263,854/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,260
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$135,343
−HK$4,148/mo
Today · 4.125%
HK$139,491
baseline
▲ 0.50% · 4.625%
HK$147,979
+HK$8,488/mo
Deposit HK$12.34M · loan HK$28.78M · min. income ≈ HK$278,982/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,026
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,942
−HK$3,973/mo
Today · 4.125%
HK$153,915
baseline
▲ 0.50% · 4.625%
HK$162,028
+HK$8,113/mo
Deposit HK$12.34M · loan HK$28.78M · min. income ≈ HK$307,830/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,763
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$174,013
−HK$5,333/mo
Today · 4.125%
HK$179,346
baseline
▲ 0.50% · 4.625%
HK$190,259
+HK$10,913/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$358,692/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,747
−HK$10,144/mo
▼ 0.25% · 3.875%
HK$192,783
−HK$5,108/mo
Today · 4.125%
HK$197,891
baseline
▲ 0.50% · 4.625%
HK$208,322
+HK$10,431/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$395,782/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,474 · Scale 2, in force from 26 Feb 2026)