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$93,821
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,739
−HK$2,965/mo
Today · 4.125%
HK$99,704
baseline
▲ 0.50% · 4.625%
HK$105,771
+HK$6,067/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$199,408/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,375
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,174
−HK$2,840/mo
Today · 4.125%
HK$110,014
baseline
▲ 0.50% · 4.625%
HK$115,813
+HK$5,799/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$220,028/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,585
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,087
−HK$3,558/mo
Today · 4.125%
HK$119,645
baseline
▲ 0.50% · 4.625%
HK$126,925
+HK$7,280/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,290/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,250
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,609
−HK$3,407/mo
Today · 4.125%
HK$132,016
baseline
▲ 0.50% · 4.625%
HK$138,975
+HK$6,959/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,032/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,349
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,435
−HK$4,151/mo
Today · 4.125%
HK$139,586
baseline
▲ 0.50% · 4.625%
HK$148,079
+HK$8,493/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$279,172/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,124
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$150,043
−HK$3,976/mo
Today · 4.125%
HK$154,019
baseline
▲ 0.50% · 4.625%
HK$162,138
+HK$8,119/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$308,038/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,877
−HK$10,590/mo
▼ 0.25% · 3.875%
HK$174,130
−HK$5,337/mo
Today · 4.125%
HK$179,467
baseline
▲ 0.50% · 4.625%
HK$190,388
+HK$10,921/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$358,934/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,874
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$192,913
−HK$5,112/mo
Today · 4.125%
HK$198,025
baseline
▲ 0.50% · 4.625%
HK$208,463
+HK$10,438/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$396,050/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,655 · Scale 2, in force from 26 Feb 2026)