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$93,895
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,816
−HK$2,967/mo
Today · 4.125%
HK$99,783
baseline
▲ 0.50% · 4.625%
HK$105,855
+HK$6,072/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,566/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,458
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,259
−HK$2,842/mo
Today · 4.125%
HK$110,101
baseline
▲ 0.50% · 4.625%
HK$115,905
+HK$5,804/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,202/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,674
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,179
−HK$3,561/mo
Today · 4.125%
HK$119,740
baseline
▲ 0.50% · 4.625%
HK$127,026
+HK$7,286/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$239,480/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,349
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,711
−HK$3,410/mo
Today · 4.125%
HK$132,121
baseline
▲ 0.50% · 4.625%
HK$139,086
+HK$6,965/mo
Deposit HK$16.47M · loan HK$24.71M · min. income ≈ HK$264,242/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,453
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,542
−HK$4,155/mo
Today · 4.125%
HK$139,697
baseline
▲ 0.50% · 4.625%
HK$148,197
+HK$8,500/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,394/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,241
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,163
−HK$3,979/mo
Today · 4.125%
HK$154,142
baseline
▲ 0.50% · 4.625%
HK$162,267
+HK$8,125/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,284/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,012
−HK$10,598/mo
▼ 0.25% · 3.875%
HK$174,269
−HK$5,341/mo
Today · 4.125%
HK$179,610
baseline
▲ 0.50% · 4.625%
HK$190,539
+HK$10,929/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$359,220/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,024
−HK$10,158/mo
▼ 0.25% · 3.875%
HK$193,066
−HK$5,116/mo
Today · 4.125%
HK$198,182
baseline
▲ 0.50% · 4.625%
HK$208,629
+HK$10,447/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$396,364/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,750,046 · Scale 2, in force from 26 Feb 2026)