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$93,625
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$96,537
−HK$2,959/mo
Today · 4.125%
HK$99,496
baseline
▲ 0.50% · 4.625%
HK$105,550
+HK$6,054/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$198,992/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,156
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,950
−HK$2,834/mo
Today · 4.125%
HK$109,784
baseline
▲ 0.50% · 4.625%
HK$115,570
+HK$5,786/mo
Deposit HK$20.53M · loan HK$20.53M · min. income ≈ HK$219,568/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,349
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,844
−HK$3,551/mo
Today · 4.125%
HK$119,395
baseline
▲ 0.50% · 4.625%
HK$126,660
+HK$7,265/mo
Deposit HK$16.42M · loan HK$24.64M · min. income ≈ HK$238,790/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,988
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,340
−HK$3,400/mo
Today · 4.125%
HK$131,740
baseline
▲ 0.50% · 4.625%
HK$138,685
+HK$6,945/mo
Deposit HK$16.42M · loan HK$24.64M · min. income ≈ HK$263,480/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,074
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$135,152
−HK$4,142/mo
Today · 4.125%
HK$139,294
baseline
▲ 0.50% · 4.625%
HK$147,770
+HK$8,476/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$278,588/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,819
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,730
−HK$3,967/mo
Today · 4.125%
HK$153,697
baseline
▲ 0.50% · 4.625%
HK$161,799
+HK$8,102/mo
Deposit HK$12.32M · loan HK$28.74M · min. income ≈ HK$307,394/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,524
−HK$10,568/mo
▼ 0.25% · 3.875%
HK$173,766
−HK$5,326/mo
Today · 4.125%
HK$179,092
baseline
▲ 0.50% · 4.625%
HK$189,989
+HK$10,897/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$358,184/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,481
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$192,510
−HK$5,100/mo
Today · 4.125%
HK$197,610
baseline
▲ 0.50% · 4.625%
HK$208,027
+HK$10,417/mo
Deposit HK$4.11M · loan HK$36.95M · min. income ≈ HK$395,220/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,998 · Scale 2, in force from 26 Feb 2026)