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$93,872
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,792
−HK$2,967/mo
Today · 4.125%
HK$99,759
baseline
▲ 0.50% · 4.625%
HK$105,829
+HK$6,070/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,518/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,432
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,232
−HK$2,842/mo
Today · 4.125%
HK$110,074
baseline
▲ 0.50% · 4.625%
HK$115,876
+HK$5,802/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,148/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,646
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,150
−HK$3,560/mo
Today · 4.125%
HK$119,710
baseline
▲ 0.50% · 4.625%
HK$126,994
+HK$7,284/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,420/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,318
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,679
−HK$3,410/mo
Today · 4.125%
HK$132,089
baseline
▲ 0.50% · 4.625%
HK$139,051
+HK$6,962/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,178/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,421
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,509
−HK$4,153/mo
Today · 4.125%
HK$139,662
baseline
▲ 0.50% · 4.625%
HK$148,160
+HK$8,498/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,324/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,204
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,125
−HK$3,978/mo
Today · 4.125%
HK$154,103
baseline
▲ 0.50% · 4.625%
HK$162,226
+HK$8,123/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,206/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,970
−HK$10,596/mo
▼ 0.25% · 3.875%
HK$174,226
−HK$5,340/mo
Today · 4.125%
HK$179,566
baseline
▲ 0.50% · 4.625%
HK$190,492
+HK$10,926/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$359,132/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,977
−HK$10,156/mo
▼ 0.25% · 3.875%
HK$193,018
−HK$5,115/mo
Today · 4.125%
HK$198,133
baseline
▲ 0.50% · 4.625%
HK$208,577
+HK$10,444/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$396,266/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,611 · Scale 2, in force from 26 Feb 2026)