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$93,848
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,767
−HK$2,966/mo
Today · 4.125%
HK$99,733
baseline
▲ 0.50% · 4.625%
HK$105,802
+HK$6,069/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,466/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,405
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,205
−HK$2,841/mo
Today · 4.125%
HK$110,046
baseline
▲ 0.50% · 4.625%
HK$115,846
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,092/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,618
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,121
−HK$3,559/mo
Today · 4.125%
HK$119,680
baseline
▲ 0.50% · 4.625%
HK$126,962
+HK$7,282/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,360/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,286
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,646
−HK$3,409/mo
Today · 4.125%
HK$132,055
baseline
▲ 0.50% · 4.625%
HK$139,015
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,110/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,387
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,474
−HK$4,152/mo
Today · 4.125%
HK$139,626
baseline
▲ 0.50% · 4.625%
HK$148,122
+HK$8,496/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,252/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,167
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,087
−HK$3,977/mo
Today · 4.125%
HK$154,064
baseline
▲ 0.50% · 4.625%
HK$162,185
+HK$8,121/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,128/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,926
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$174,181
−HK$5,338/mo
Today · 4.125%
HK$179,519
baseline
▲ 0.50% · 4.625%
HK$190,443
+HK$10,924/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,038/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,929
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$192,969
−HK$5,113/mo
Today · 4.125%
HK$198,082
baseline
▲ 0.50% · 4.625%
HK$208,523
+HK$10,441/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,164/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,162 · Scale 2, in force from 26 Feb 2026)