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$93,663
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$96,577
−HK$2,960/mo
Today · 4.125%
HK$99,537
baseline
▲ 0.50% · 4.625%
HK$105,594
+HK$6,057/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,074/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,200
−HK$5,629/mo
▼ 0.25% · 3.875%
HK$106,994
−HK$2,835/mo
Today · 4.125%
HK$109,829
baseline
▲ 0.50% · 4.625%
HK$115,618
+HK$5,789/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,658/mo (50% DSR)
Upfront cash ≈ HK$22.28M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,396
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,892
−HK$3,552/mo
Today · 4.125%
HK$119,444
baseline
▲ 0.50% · 4.625%
HK$126,712
+HK$7,268/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,888/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,040
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,393
−HK$3,402/mo
Today · 4.125%
HK$131,795
baseline
▲ 0.50% · 4.625%
HK$138,742
+HK$6,947/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,590/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,129
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,208
−HK$4,144/mo
Today · 4.125%
HK$139,352
baseline
▲ 0.50% · 4.625%
HK$147,831
+HK$8,479/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$278,704/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,879
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,792
−HK$3,969/mo
Today · 4.125%
HK$153,761
baseline
▲ 0.50% · 4.625%
HK$161,866
+HK$8,105/mo
Deposit HK$12.32M · loan HK$28.75M · min. income ≈ HK$307,522/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,594
−HK$10,573/mo
▼ 0.25% · 3.875%
HK$173,838
−HK$5,329/mo
Today · 4.125%
HK$179,167
baseline
▲ 0.50% · 4.625%
HK$190,068
+HK$10,901/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$358,334/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,559
−HK$10,134/mo
▼ 0.25% · 3.875%
HK$192,590
−HK$5,103/mo
Today · 4.125%
HK$197,693
baseline
▲ 0.50% · 4.625%
HK$208,113
+HK$10,420/mo
Deposit HK$4.11M · loan HK$36.97M · min. income ≈ HK$395,386/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,745,723 · Scale 2, in force from 26 Feb 2026)