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$94,062
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,988
−HK$2,972/mo
Today · 4.125%
HK$99,960
baseline
▲ 0.50% · 4.625%
HK$106,043
+HK$6,083/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$199,920/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,643
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,449
−HK$2,847/mo
Today · 4.125%
HK$110,296
baseline
▲ 0.50% · 4.625%
HK$116,110
+HK$5,814/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$220,592/mo (50% DSR)
Upfront cash ≈ HK$22.38M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,874
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,385
−HK$3,567/mo
Today · 4.125%
HK$119,952
baseline
▲ 0.50% · 4.625%
HK$127,251
+HK$7,299/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$239,904/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,571
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$128,939
−HK$3,417/mo
Today · 4.125%
HK$132,356
baseline
▲ 0.50% · 4.625%
HK$139,332
+HK$6,976/mo
Deposit HK$16.50M · loan HK$24.75M · min. income ≈ HK$264,712/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,687
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,783
−HK$4,162/mo
Today · 4.125%
HK$139,945
baseline
▲ 0.50% · 4.625%
HK$148,460
+HK$8,515/mo
Deposit HK$12.38M · loan HK$28.88M · min. income ≈ HK$279,890/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,500
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$150,429
−HK$3,986/mo
Today · 4.125%
HK$154,415
baseline
▲ 0.50% · 4.625%
HK$162,554
+HK$8,139/mo
Deposit HK$12.38M · loan HK$28.88M · min. income ≈ HK$308,830/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,311
−HK$10,618/mo
▼ 0.25% · 3.875%
HK$174,578
−HK$5,351/mo
Today · 4.125%
HK$179,929
baseline
▲ 0.50% · 4.625%
HK$190,877
+HK$10,948/mo
Deposit HK$4.13M · loan HK$37.13M · min. income ≈ HK$359,858/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,357
−HK$10,177/mo
▼ 0.25% · 3.875%
HK$193,409
−HK$5,125/mo
Today · 4.125%
HK$198,534
baseline
▲ 0.50% · 4.625%
HK$208,999
+HK$10,465/mo
Deposit HK$4.13M · loan HK$37.13M · min. income ≈ HK$397,068/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,150 · Scale 2, in force from 26 Feb 2026)