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$93,614
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,526
−HK$2,959/mo
Today · 4.125%
HK$99,485
baseline
▲ 0.50% · 4.625%
HK$105,538
+HK$6,053/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$198,970/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,145
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$106,938
−HK$2,833/mo
Today · 4.125%
HK$109,771
baseline
▲ 0.50% · 4.625%
HK$115,558
+HK$5,787/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$219,542/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,337
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,831
−HK$3,550/mo
Today · 4.125%
HK$119,381
baseline
▲ 0.50% · 4.625%
HK$126,646
+HK$7,265/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$238,762/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,974
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,325
−HK$3,401/mo
Today · 4.125%
HK$131,726
baseline
▲ 0.50% · 4.625%
HK$138,669
+HK$6,943/mo
Deposit HK$16.42M · loan HK$24.63M · min. income ≈ HK$263,452/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,060
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,136
−HK$4,142/mo
Today · 4.125%
HK$139,278
baseline
▲ 0.50% · 4.625%
HK$147,753
+HK$8,475/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$278,556/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,803
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,713
−HK$3,967/mo
Today · 4.125%
HK$153,680
baseline
▲ 0.50% · 4.625%
HK$161,781
+HK$8,101/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$307,360/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,505
−HK$10,567/mo
▼ 0.25% · 3.875%
HK$173,747
−HK$5,325/mo
Today · 4.125%
HK$179,072
baseline
▲ 0.50% · 4.625%
HK$189,968
+HK$10,896/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$358,144/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,461
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$192,488
−HK$5,101/mo
Today · 4.125%
HK$197,589
baseline
▲ 0.50% · 4.625%
HK$208,004
+HK$10,415/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$395,178/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,805 · Scale 2, in force from 26 Feb 2026)