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$93,770
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,686
−HK$2,964/mo
Today · 4.125%
HK$99,650
baseline
▲ 0.50% · 4.625%
HK$105,713
+HK$6,063/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$199,300/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,318
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,116
−HK$2,838/mo
Today · 4.125%
HK$109,954
baseline
▲ 0.50% · 4.625%
HK$115,750
+HK$5,796/mo
Deposit HK$20.56M · loan HK$20.56M · min. income ≈ HK$219,908/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,524
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,024
−HK$3,556/mo
Today · 4.125%
HK$119,580
baseline
▲ 0.50% · 4.625%
HK$126,856
+HK$7,276/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$239,160/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,181
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,539
−HK$3,406/mo
Today · 4.125%
HK$131,945
baseline
▲ 0.50% · 4.625%
HK$138,900
+HK$6,955/mo
Deposit HK$16.45M · loan HK$24.67M · min. income ≈ HK$263,890/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,278
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,361
−HK$4,149/mo
Today · 4.125%
HK$139,510
baseline
▲ 0.50% · 4.625%
HK$147,999
+HK$8,489/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$279,020/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,045
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$149,962
−HK$3,973/mo
Today · 4.125%
HK$153,935
baseline
▲ 0.50% · 4.625%
HK$162,050
+HK$8,115/mo
Deposit HK$12.34M · loan HK$28.79M · min. income ≈ HK$307,870/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,785
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$174,036
−HK$5,334/mo
Today · 4.125%
HK$179,370
baseline
▲ 0.50% · 4.625%
HK$190,284
+HK$10,914/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$358,740/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,772
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$192,808
−HK$5,109/mo
Today · 4.125%
HK$197,917
baseline
▲ 0.50% · 4.625%
HK$208,349
+HK$10,432/mo
Deposit HK$4.11M · loan HK$37.01M · min. income ≈ HK$395,834/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,747,704 · Scale 2, in force from 26 Feb 2026)