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$93,812
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,730
−HK$2,965/mo
Today · 4.125%
HK$99,695
baseline
▲ 0.50% · 4.625%
HK$105,761
+HK$6,066/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$199,390/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,365
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,164
−HK$2,840/mo
Today · 4.125%
HK$110,004
baseline
▲ 0.50% · 4.625%
HK$115,802
+HK$5,798/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$220,008/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,575
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,076
−HK$3,558/mo
Today · 4.125%
HK$119,634
baseline
▲ 0.50% · 4.625%
HK$126,913
+HK$7,279/mo
Deposit HK$16.46M · loan HK$24.68M · min. income ≈ HK$239,268/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,238
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,597
−HK$3,407/mo
Today · 4.125%
HK$132,004
baseline
▲ 0.50% · 4.625%
HK$138,962
+HK$6,958/mo
Deposit HK$16.46M · loan HK$24.68M · min. income ≈ HK$264,008/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,337
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,422
−HK$4,151/mo
Today · 4.125%
HK$139,573
baseline
▲ 0.50% · 4.625%
HK$148,066
+HK$8,493/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$279,146/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,111
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$150,030
−HK$3,975/mo
Today · 4.125%
HK$154,005
baseline
▲ 0.50% · 4.625%
HK$162,123
+HK$8,118/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$308,010/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,862
−HK$10,589/mo
▼ 0.25% · 3.875%
HK$174,114
−HK$5,337/mo
Today · 4.125%
HK$179,451
baseline
▲ 0.50% · 4.625%
HK$190,370
+HK$10,919/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$358,902/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,857
−HK$10,149/mo
▼ 0.25% · 3.875%
HK$192,895
−HK$5,111/mo
Today · 4.125%
HK$198,006
baseline
▲ 0.50% · 4.625%
HK$208,444
+HK$10,438/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$396,012/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,494 · Scale 2, in force from 26 Feb 2026)