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$94,007
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,931
−HK$2,971/mo
Today · 4.125%
HK$99,902
baseline
▲ 0.50% · 4.625%
HK$105,981
+HK$6,079/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,804/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,582
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,387
−HK$2,845/mo
Today · 4.125%
HK$110,232
baseline
▲ 0.50% · 4.625%
HK$116,043
+HK$5,811/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,464/mo (50% DSR)
Upfront cash ≈ HK$22.37M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,808
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$116,317
−HK$3,565/mo
Today · 4.125%
HK$119,882
baseline
▲ 0.50% · 4.625%
HK$127,177
+HK$7,295/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$239,764/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,498
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$128,864
−HK$3,414/mo
Today · 4.125%
HK$132,278
baseline
▲ 0.50% · 4.625%
HK$139,251
+HK$6,973/mo
Deposit HK$16.49M · loan HK$24.74M · min. income ≈ HK$264,556/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,610
−HK$8,253/mo
▼ 0.25% · 3.875%
HK$135,704
−HK$4,159/mo
Today · 4.125%
HK$139,863
baseline
▲ 0.50% · 4.625%
HK$148,373
+HK$8,510/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$279,726/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,415
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,341
−HK$3,984/mo
Today · 4.125%
HK$154,325
baseline
▲ 0.50% · 4.625%
HK$162,460
+HK$8,135/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$308,650/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,213
−HK$10,611/mo
▼ 0.25% · 3.875%
HK$174,476
−HK$5,348/mo
Today · 4.125%
HK$179,824
baseline
▲ 0.50% · 4.625%
HK$190,765
+HK$10,941/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$359,648/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,247
−HK$10,171/mo
▼ 0.25% · 3.875%
HK$193,296
−HK$5,122/mo
Today · 4.125%
HK$198,418
baseline
▲ 0.50% · 4.625%
HK$208,877
+HK$10,459/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$396,836/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,752,126 · Scale 2, in force from 26 Feb 2026)