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$93,674
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,588
−HK$2,960/mo
Today · 4.125%
HK$99,548
baseline
▲ 0.50% · 4.625%
HK$105,606
+HK$6,058/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,096/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,212
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,007
−HK$2,835/mo
Today · 4.125%
HK$109,842
baseline
▲ 0.50% · 4.625%
HK$115,632
+HK$5,790/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,684/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,409
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,906
−HK$3,552/mo
Today · 4.125%
HK$119,458
baseline
▲ 0.50% · 4.625%
HK$126,727
+HK$7,269/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,916/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,054
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,408
−HK$3,402/mo
Today · 4.125%
HK$131,810
baseline
▲ 0.50% · 4.625%
HK$138,758
+HK$6,948/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,620/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,144
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,223
−HK$4,145/mo
Today · 4.125%
HK$139,368
baseline
▲ 0.50% · 4.625%
HK$147,848
+HK$8,480/mo
Deposit HK$12.32M · loan HK$28.76M · min. income ≈ HK$278,736/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,896
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$149,809
−HK$3,970/mo
Today · 4.125%
HK$153,779
baseline
▲ 0.50% · 4.625%
HK$161,885
+HK$8,106/mo
Deposit HK$12.32M · loan HK$28.76M · min. income ≈ HK$307,558/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,614
−HK$10,573/mo
▼ 0.25% · 3.875%
HK$173,858
−HK$5,329/mo
Today · 4.125%
HK$179,187
baseline
▲ 0.50% · 4.625%
HK$190,090
+HK$10,903/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,374/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,581
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$192,612
−HK$5,103/mo
Today · 4.125%
HK$197,715
baseline
▲ 0.50% · 4.625%
HK$208,137
+HK$10,422/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,430/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,925 · Scale 2, in force from 26 Feb 2026)