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$93,581
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$96,491
−HK$2,958/mo
Today · 4.125%
HK$99,449
baseline
▲ 0.50% · 4.625%
HK$105,500
+HK$6,051/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,898/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,107
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,900
−HK$2,832/mo
Today · 4.125%
HK$109,732
baseline
▲ 0.50% · 4.625%
HK$115,516
+HK$5,784/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,464/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,297
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,790
−HK$3,549/mo
Today · 4.125%
HK$119,339
baseline
▲ 0.50% · 4.625%
HK$126,600
+HK$7,261/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$238,678/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,929
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,279
−HK$3,399/mo
Today · 4.125%
HK$131,678
baseline
▲ 0.50% · 4.625%
HK$138,619
+HK$6,941/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$263,356/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,013
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,088
−HK$4,140/mo
Today · 4.125%
HK$139,228
baseline
▲ 0.50% · 4.625%
HK$147,700
+HK$8,472/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$278,456/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,750
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,659
−HK$3,966/mo
Today · 4.125%
HK$153,625
baseline
▲ 0.50% · 4.625%
HK$161,723
+HK$8,098/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$307,250/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,445
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$173,685
−HK$5,323/mo
Today · 4.125%
HK$179,008
baseline
▲ 0.50% · 4.625%
HK$189,900
+HK$10,892/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$358,016/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,393
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$192,419
−HK$5,099/mo
Today · 4.125%
HK$197,518
baseline
▲ 0.50% · 4.625%
HK$207,929
+HK$10,411/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$395,036/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,179 · Scale 2, in force from 26 Feb 2026)