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$93,411
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,317
−HK$2,952/mo
Today · 4.125%
HK$99,269
baseline
▲ 0.50% · 4.625%
HK$105,309
+HK$6,040/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$198,538/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,919
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$106,706
−HK$2,827/mo
Today · 4.125%
HK$109,533
baseline
▲ 0.50% · 4.625%
HK$115,307
+HK$5,774/mo
Deposit HK$20.48M · loan HK$20.48M · min. income ≈ HK$219,066/mo (50% DSR)
Upfront cash ≈ HK$22.22M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,093
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,580
−HK$3,542/mo
Today · 4.125%
HK$119,122
baseline
▲ 0.50% · 4.625%
HK$126,371
+HK$7,249/mo
Deposit HK$16.39M · loan HK$24.58M · min. income ≈ HK$238,244/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,703
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,047
−HK$3,393/mo
Today · 4.125%
HK$131,440
baseline
▲ 0.50% · 4.625%
HK$138,368
+HK$6,928/mo
Deposit HK$16.39M · loan HK$24.58M · min. income ≈ HK$262,880/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,775
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$134,843
−HK$4,133/mo
Today · 4.125%
HK$138,976
baseline
▲ 0.50% · 4.625%
HK$147,433
+HK$8,457/mo
Deposit HK$12.29M · loan HK$28.68M · min. income ≈ HK$277,952/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,486
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$149,388
−HK$3,959/mo
Today · 4.125%
HK$153,347
baseline
▲ 0.50% · 4.625%
HK$161,430
+HK$8,083/mo
Deposit HK$12.29M · loan HK$28.68M · min. income ≈ HK$306,694/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,140
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$173,370
−HK$5,314/mo
Today · 4.125%
HK$178,684
baseline
▲ 0.50% · 4.625%
HK$189,556
+HK$10,872/mo
Deposit HK$4.10M · loan HK$36.87M · min. income ≈ HK$357,368/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,054
−HK$10,106/mo
▼ 0.25% · 3.875%
HK$192,071
−HK$5,089/mo
Today · 4.125%
HK$197,160
baseline
▲ 0.50% · 4.625%
HK$207,552
+HK$10,392/mo
Deposit HK$4.10M · loan HK$36.87M · min. income ≈ HK$394,320/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,019 · Scale 2, in force from 26 Feb 2026)