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$93,726
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,641
−HK$2,962/mo
Today · 4.125%
HK$99,603
baseline
▲ 0.50% · 4.625%
HK$105,664
+HK$6,061/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,206/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,269
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,066
−HK$2,837/mo
Today · 4.125%
HK$109,903
baseline
▲ 0.50% · 4.625%
HK$115,696
+HK$5,793/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,806/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,471
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$115,970
−HK$3,554/mo
Today · 4.125%
HK$119,524
baseline
▲ 0.50% · 4.625%
HK$126,797
+HK$7,273/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$239,048/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,123
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,479
−HK$3,404/mo
Today · 4.125%
HK$131,883
baseline
▲ 0.50% · 4.625%
HK$138,835
+HK$6,952/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,766/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,216
−HK$8,229/mo
▼ 0.25% · 3.875%
HK$135,298
−HK$4,147/mo
Today · 4.125%
HK$139,445
baseline
▲ 0.50% · 4.625%
HK$147,930
+HK$8,485/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$278,890/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,977
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$149,892
−HK$3,972/mo
Today · 4.125%
HK$153,864
baseline
▲ 0.50% · 4.625%
HK$161,974
+HK$8,110/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$307,728/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,707
−HK$10,579/mo
▼ 0.25% · 3.875%
HK$173,955
−HK$5,331/mo
Today · 4.125%
HK$179,286
baseline
▲ 0.50% · 4.625%
HK$190,195
+HK$10,909/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$358,572/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,685
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$192,718
−HK$5,107/mo
Today · 4.125%
HK$197,825
baseline
▲ 0.50% · 4.625%
HK$208,252
+HK$10,427/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$395,650/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,890 · Scale 2, in force from 26 Feb 2026)