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$94,022
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$96,947
−HK$2,971/mo
Today · 4.125%
HK$99,918
baseline
▲ 0.50% · 4.625%
HK$105,998
+HK$6,080/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$199,836/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,599
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$107,404
−HK$2,846/mo
Today · 4.125%
HK$110,250
baseline
▲ 0.50% · 4.625%
HK$116,062
+HK$5,812/mo
Deposit HK$20.62M · loan HK$20.62M · min. income ≈ HK$220,500/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,827
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$116,336
−HK$3,566/mo
Today · 4.125%
HK$119,902
baseline
▲ 0.50% · 4.625%
HK$127,198
+HK$7,296/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$239,804/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,519
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$128,885
−HK$3,415/mo
Today · 4.125%
HK$132,300
baseline
▲ 0.50% · 4.625%
HK$139,274
+HK$6,974/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$264,600/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,631
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,726
−HK$4,160/mo
Today · 4.125%
HK$139,886
baseline
▲ 0.50% · 4.625%
HK$148,397
+HK$8,511/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$279,772/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,439
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$150,366
−HK$3,984/mo
Today · 4.125%
HK$154,350
baseline
▲ 0.50% · 4.625%
HK$162,486
+HK$8,136/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$308,700/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,240
−HK$10,613/mo
▼ 0.25% · 3.875%
HK$174,505
−HK$5,348/mo
Today · 4.125%
HK$179,853
baseline
▲ 0.50% · 4.625%
HK$190,797
+HK$10,944/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$359,706/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,278
−HK$10,172/mo
▼ 0.25% · 3.875%
HK$193,328
−HK$5,122/mo
Today · 4.125%
HK$198,450
baseline
▲ 0.50% · 4.625%
HK$208,911
+HK$10,461/mo
Deposit HK$4.12M · loan HK$37.11M · min. income ≈ HK$396,900/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,752,414 · Scale 2, in force from 26 Feb 2026)