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$93,746
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,662
−HK$2,962/mo
Today · 4.125%
HK$99,624
baseline
▲ 0.50% · 4.625%
HK$105,686
+HK$6,062/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,248/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,291
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,088
−HK$2,838/mo
Today · 4.125%
HK$109,926
baseline
▲ 0.50% · 4.625%
HK$115,720
+HK$5,794/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,852/mo (50% DSR)
Upfront cash ≈ HK$22.30M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,495
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,994
−HK$3,555/mo
Today · 4.125%
HK$119,549
baseline
▲ 0.50% · 4.625%
HK$126,824
+HK$7,275/mo
Deposit HK$16.44M · loan HK$24.67M · min. income ≈ HK$239,098/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,150
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$128,506
−HK$3,405/mo
Today · 4.125%
HK$131,911
baseline
▲ 0.50% · 4.625%
HK$138,864
+HK$6,953/mo
Deposit HK$16.44M · loan HK$24.67M · min. income ≈ HK$263,822/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,244
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$135,327
−HK$4,147/mo
Today · 4.125%
HK$139,474
baseline
▲ 0.50% · 4.625%
HK$147,961
+HK$8,487/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$278,948/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,008
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$149,924
−HK$3,972/mo
Today · 4.125%
HK$153,896
baseline
▲ 0.50% · 4.625%
HK$162,008
+HK$8,112/mo
Deposit HK$12.33M · loan HK$28.78M · min. income ≈ HK$307,792/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,742
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$173,991
−HK$5,333/mo
Today · 4.125%
HK$179,324
baseline
▲ 0.50% · 4.625%
HK$190,236
+HK$10,912/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$358,648/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,724
−HK$10,142/mo
▼ 0.25% · 3.875%
HK$192,759
−HK$5,107/mo
Today · 4.125%
HK$197,866
baseline
▲ 0.50% · 4.625%
HK$208,296
+HK$10,430/mo
Deposit HK$4.11M · loan HK$37.00M · min. income ≈ HK$395,732/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,259 · Scale 2, in force from 26 Feb 2026)