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$93,588
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,499
−HK$2,958/mo
Today · 4.125%
HK$99,457
baseline
▲ 0.50% · 4.625%
HK$105,509
+HK$6,052/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,914/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,116
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,908
−HK$2,833/mo
Today · 4.125%
HK$109,741
baseline
▲ 0.50% · 4.625%
HK$115,525
+HK$5,784/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,482/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,306
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,799
−HK$3,549/mo
Today · 4.125%
HK$119,348
baseline
▲ 0.50% · 4.625%
HK$126,610
+HK$7,262/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$238,696/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,939
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,290
−HK$3,399/mo
Today · 4.125%
HK$131,689
baseline
▲ 0.50% · 4.625%
HK$138,631
+HK$6,942/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$263,378/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,023
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$135,099
−HK$4,141/mo
Today · 4.125%
HK$139,240
baseline
▲ 0.50% · 4.625%
HK$147,712
+HK$8,472/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$278,480/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,762
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,671
−HK$3,966/mo
Today · 4.125%
HK$153,637
baseline
▲ 0.50% · 4.625%
HK$161,736
+HK$8,099/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$307,274/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,459
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$173,699
−HK$5,323/mo
Today · 4.125%
HK$179,022
baseline
▲ 0.50% · 4.625%
HK$189,915
+HK$10,893/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$358,044/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,408
−HK$10,126/mo
▼ 0.25% · 3.875%
HK$192,435
−HK$5,099/mo
Today · 4.125%
HK$197,534
baseline
▲ 0.50% · 4.625%
HK$207,946
+HK$10,412/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$395,068/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,319 · Scale 2, in force from 26 Feb 2026)