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$93,669
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,960/mo
Today · 4.125%
HK$99,543
baseline
▲ 0.50% · 4.625%
HK$105,600
+HK$6,057/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,086/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,206
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,001
−HK$2,835/mo
Today · 4.125%
HK$109,836
baseline
▲ 0.50% · 4.625%
HK$115,626
+HK$5,790/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,672/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,403
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,900
−HK$3,552/mo
Today · 4.125%
HK$119,452
baseline
▲ 0.50% · 4.625%
HK$126,720
+HK$7,268/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,904/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,048
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,401
−HK$3,402/mo
Today · 4.125%
HK$131,803
baseline
▲ 0.50% · 4.625%
HK$138,751
+HK$6,948/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,606/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,137
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,216
−HK$4,145/mo
Today · 4.125%
HK$139,361
baseline
▲ 0.50% · 4.625%
HK$147,840
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,722/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,889
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,801
−HK$3,970/mo
Today · 4.125%
HK$153,771
baseline
▲ 0.50% · 4.625%
HK$161,876
+HK$8,105/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,542/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,605
−HK$10,573/mo
▼ 0.25% · 3.875%
HK$173,850
−HK$5,328/mo
Today · 4.125%
HK$179,178
baseline
▲ 0.50% · 4.625%
HK$190,081
+HK$10,903/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,356/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,571
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$192,602
−HK$5,103/mo
Today · 4.125%
HK$197,705
baseline
▲ 0.50% · 4.625%
HK$208,127
+HK$10,422/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,410/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,835 · Scale 2, in force from 26 Feb 2026)