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$93,446
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,353
−HK$2,953/mo
Today · 4.125%
HK$99,306
baseline
▲ 0.50% · 4.625%
HK$105,349
+HK$6,043/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,612/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,958
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,746
−HK$2,828/mo
Today · 4.125%
HK$109,574
baseline
▲ 0.50% · 4.625%
HK$115,350
+HK$5,776/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,148/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,135
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,623
−HK$3,544/mo
Today · 4.125%
HK$119,167
baseline
▲ 0.50% · 4.625%
HK$126,418
+HK$7,251/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$238,334/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,749
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,095
−HK$3,394/mo
Today · 4.125%
HK$131,489
baseline
▲ 0.50% · 4.625%
HK$138,420
+HK$6,931/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$262,978/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,825
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$134,894
−HK$4,134/mo
Today · 4.125%
HK$139,028
baseline
▲ 0.50% · 4.625%
HK$147,488
+HK$8,460/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$278,056/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,541
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$149,444
−HK$3,960/mo
Today · 4.125%
HK$153,404
baseline
▲ 0.50% · 4.625%
HK$161,490
+HK$8,086/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$306,808/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,203
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$173,435
−HK$5,316/mo
Today · 4.125%
HK$178,751
baseline
▲ 0.50% · 4.625%
HK$189,627
+HK$10,876/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$357,502/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,124
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$192,143
−HK$5,091/mo
Today · 4.125%
HK$197,234
baseline
▲ 0.50% · 4.625%
HK$207,630
+HK$10,396/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$394,468/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,673 · Scale 2, in force from 26 Feb 2026)