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$93,679
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,593
−HK$2,960/mo
Today · 4.125%
HK$99,553
baseline
▲ 0.50% · 4.625%
HK$105,611
+HK$6,058/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,106/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,217
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$107,012
−HK$2,835/mo
Today · 4.125%
HK$109,847
baseline
▲ 0.50% · 4.625%
HK$115,638
+HK$5,791/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,694/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,415
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,911
−HK$3,553/mo
Today · 4.125%
HK$119,464
baseline
▲ 0.50% · 4.625%
HK$126,733
+HK$7,269/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,928/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,060
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,414
−HK$3,403/mo
Today · 4.125%
HK$131,817
baseline
▲ 0.50% · 4.625%
HK$138,765
+HK$6,948/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,634/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,151
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,230
−HK$4,145/mo
Today · 4.125%
HK$139,375
baseline
▲ 0.50% · 4.625%
HK$147,855
+HK$8,480/mo
Deposit HK$12.32M · loan HK$28.76M · min. income ≈ HK$278,750/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,904
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,817
−HK$3,969/mo
Today · 4.125%
HK$153,786
baseline
▲ 0.50% · 4.625%
HK$161,893
+HK$8,107/mo
Deposit HK$12.32M · loan HK$28.76M · min. income ≈ HK$307,572/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,622
−HK$10,574/mo
▼ 0.25% · 3.875%
HK$173,867
−HK$5,329/mo
Today · 4.125%
HK$179,196
baseline
▲ 0.50% · 4.625%
HK$190,100
+HK$10,904/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,392/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,590
−HK$10,135/mo
▼ 0.25% · 3.875%
HK$192,621
−HK$5,104/mo
Today · 4.125%
HK$197,725
baseline
▲ 0.50% · 4.625%
HK$208,148
+HK$10,423/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,450/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,013 · Scale 2, in force from 26 Feb 2026)