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$93,816
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,734
−HK$2,965/mo
Today · 4.125%
HK$99,699
baseline
▲ 0.50% · 4.625%
HK$105,766
+HK$6,067/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$199,398/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,370
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,169
−HK$2,839/mo
Today · 4.125%
HK$110,008
baseline
▲ 0.50% · 4.625%
HK$115,807
+HK$5,799/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$220,016/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,579
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,081
−HK$3,558/mo
Today · 4.125%
HK$119,639
baseline
▲ 0.50% · 4.625%
HK$126,919
+HK$7,280/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,278/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,243
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,602
−HK$3,408/mo
Today · 4.125%
HK$132,010
baseline
▲ 0.50% · 4.625%
HK$138,968
+HK$6,958/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,020/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,343
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,428
−HK$4,151/mo
Today · 4.125%
HK$139,579
baseline
▲ 0.50% · 4.625%
HK$148,072
+HK$8,493/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$279,158/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,117
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$150,036
−HK$3,976/mo
Today · 4.125%
HK$154,012
baseline
▲ 0.50% · 4.625%
HK$162,130
+HK$8,118/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$308,024/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,869
−HK$10,590/mo
▼ 0.25% · 3.875%
HK$174,122
−HK$5,337/mo
Today · 4.125%
HK$179,459
baseline
▲ 0.50% · 4.625%
HK$190,378
+HK$10,919/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$358,918/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,865
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$192,904
−HK$5,111/mo
Today · 4.125%
HK$198,015
baseline
▲ 0.50% · 4.625%
HK$208,453
+HK$10,438/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$396,030/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,570 · Scale 2, in force from 26 Feb 2026)