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$93,779
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$96,697
−HK$2,963/mo
Today · 4.125%
HK$99,660
baseline
▲ 0.50% · 4.625%
HK$105,724
+HK$6,064/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,320/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,329
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,127
−HK$2,838/mo
Today · 4.125%
HK$109,965
baseline
▲ 0.50% · 4.625%
HK$115,762
+HK$5,797/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,930/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,535
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,036
−HK$3,556/mo
Today · 4.125%
HK$119,592
baseline
▲ 0.50% · 4.625%
HK$126,869
+HK$7,277/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$239,184/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,194
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,552
−HK$3,406/mo
Today · 4.125%
HK$131,958
baseline
▲ 0.50% · 4.625%
HK$138,914
+HK$6,956/mo
Deposit HK$16.45M · loan HK$24.68M · min. income ≈ HK$263,916/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,291
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$135,375
−HK$4,149/mo
Today · 4.125%
HK$139,524
baseline
▲ 0.50% · 4.625%
HK$148,014
+HK$8,490/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$279,048/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,060
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,977
−HK$3,974/mo
Today · 4.125%
HK$153,951
baseline
▲ 0.50% · 4.625%
HK$162,066
+HK$8,115/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$307,902/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,803
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$174,054
−HK$5,334/mo
Today · 4.125%
HK$179,388
baseline
▲ 0.50% · 4.625%
HK$190,304
+HK$10,916/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$358,776/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,792
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$192,828
−HK$5,109/mo
Today · 4.125%
HK$197,937
baseline
▲ 0.50% · 4.625%
HK$208,371
+HK$10,434/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$395,874/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,885 · Scale 2, in force from 26 Feb 2026)