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$93,878
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,798
−HK$2,967/mo
Today · 4.125%
HK$99,765
baseline
▲ 0.50% · 4.625%
HK$105,836
+HK$6,071/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,530/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,438
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,239
−HK$2,842/mo
Today · 4.125%
HK$110,081
baseline
▲ 0.50% · 4.625%
HK$115,883
+HK$5,802/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,162/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,654
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,158
−HK$3,560/mo
Today · 4.125%
HK$119,718
baseline
▲ 0.50% · 4.625%
HK$127,003
+HK$7,285/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,436/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,326
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,687
−HK$3,410/mo
Today · 4.125%
HK$132,097
baseline
▲ 0.50% · 4.625%
HK$139,060
+HK$6,963/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,194/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,429
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,517
−HK$4,154/mo
Today · 4.125%
HK$139,671
baseline
▲ 0.50% · 4.625%
HK$148,170
+HK$8,499/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,342/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,214
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,135
−HK$3,978/mo
Today · 4.125%
HK$154,113
baseline
▲ 0.50% · 4.625%
HK$162,237
+HK$8,124/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,226/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,981
−HK$10,596/mo
▼ 0.25% · 3.875%
HK$174,237
−HK$5,340/mo
Today · 4.125%
HK$179,577
baseline
▲ 0.50% · 4.625%
HK$190,504
+HK$10,927/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$359,154/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,989
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,031
−HK$5,115/mo
Today · 4.125%
HK$198,146
baseline
▲ 0.50% · 4.625%
HK$208,590
+HK$10,444/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$396,292/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,724 · Scale 2, in force from 26 Feb 2026)