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$93,874
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,794
−HK$2,966/mo
Today · 4.125%
HK$99,760
baseline
▲ 0.50% · 4.625%
HK$105,831
+HK$6,071/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,520/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,433
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,234
−HK$2,842/mo
Today · 4.125%
HK$110,076
baseline
▲ 0.50% · 4.625%
HK$115,878
+HK$5,802/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,152/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,648
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,152
−HK$3,560/mo
Today · 4.125%
HK$119,712
baseline
▲ 0.50% · 4.625%
HK$126,997
+HK$7,285/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,424/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,320
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,681
−HK$3,410/mo
Today · 4.125%
HK$132,091
baseline
▲ 0.50% · 4.625%
HK$139,054
+HK$6,963/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,182/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,423
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,511
−HK$4,153/mo
Today · 4.125%
HK$139,664
baseline
▲ 0.50% · 4.625%
HK$148,163
+HK$8,499/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,328/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,207
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,128
−HK$3,978/mo
Today · 4.125%
HK$154,106
baseline
▲ 0.50% · 4.625%
HK$162,229
+HK$8,123/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,212/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,973
−HK$10,596/mo
▼ 0.25% · 3.875%
HK$174,229
−HK$5,340/mo
Today · 4.125%
HK$179,569
baseline
▲ 0.50% · 4.625%
HK$190,495
+HK$10,926/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$359,138/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,980
−HK$10,156/mo
▼ 0.25% · 3.875%
HK$193,022
−HK$5,114/mo
Today · 4.125%
HK$198,136
baseline
▲ 0.50% · 4.625%
HK$208,580
+HK$10,444/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$396,272/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,641 · Scale 2, in force from 26 Feb 2026)