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$93,696
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,611
−HK$2,961/mo
Today · 4.125%
HK$99,572
baseline
▲ 0.50% · 4.625%
HK$105,631
+HK$6,059/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,144/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,236
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,032
−HK$2,836/mo
Today · 4.125%
HK$109,868
baseline
▲ 0.50% · 4.625%
HK$115,659
+HK$5,791/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,736/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,436
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,933
−HK$3,554/mo
Today · 4.125%
HK$119,487
baseline
▲ 0.50% · 4.625%
HK$126,757
+HK$7,270/mo
Deposit HK$16.44M · loan HK$24.65M · min. income ≈ HK$238,974/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,084
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,438
−HK$3,404/mo
Today · 4.125%
HK$131,842
baseline
▲ 0.50% · 4.625%
HK$138,791
+HK$6,949/mo
Deposit HK$16.44M · loan HK$24.65M · min. income ≈ HK$263,684/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,175
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,255
−HK$4,146/mo
Today · 4.125%
HK$139,401
baseline
▲ 0.50% · 4.625%
HK$147,883
+HK$8,482/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$278,802/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,931
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,845
−HK$3,970/mo
Today · 4.125%
HK$153,815
baseline
▲ 0.50% · 4.625%
HK$161,923
+HK$8,108/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$307,630/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,654
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$173,900
−HK$5,330/mo
Today · 4.125%
HK$179,230
baseline
▲ 0.50% · 4.625%
HK$190,135
+HK$10,905/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$358,460/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,626
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$192,658
−HK$5,104/mo
Today · 4.125%
HK$197,762
baseline
▲ 0.50% · 4.625%
HK$208,187
+HK$10,425/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$395,524/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,340 · Scale 2, in force from 26 Feb 2026)