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$93,584
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$96,495
−HK$2,958/mo
Today · 4.125%
HK$99,453
baseline
▲ 0.50% · 4.625%
HK$105,504
+HK$6,051/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$198,906/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,111
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$106,904
−HK$2,832/mo
Today · 4.125%
HK$109,736
baseline
▲ 0.50% · 4.625%
HK$115,521
+HK$5,785/mo
Deposit HK$20.52M · loan HK$20.52M · min. income ≈ HK$219,472/mo (50% DSR)
Upfront cash ≈ HK$22.26M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,301
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,794
−HK$3,549/mo
Today · 4.125%
HK$119,343
baseline
▲ 0.50% · 4.625%
HK$126,605
+HK$7,262/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$238,686/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,934
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,284
−HK$3,400/mo
Today · 4.125%
HK$131,684
baseline
▲ 0.50% · 4.625%
HK$138,625
+HK$6,941/mo
Deposit HK$16.42M · loan HK$24.62M · min. income ≈ HK$263,368/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,018
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,093
−HK$4,141/mo
Today · 4.125%
HK$139,234
baseline
▲ 0.50% · 4.625%
HK$147,706
+HK$8,472/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$278,468/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,756
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,665
−HK$3,966/mo
Today · 4.125%
HK$153,631
baseline
▲ 0.50% · 4.625%
HK$161,729
+HK$8,098/mo
Deposit HK$12.31M · loan HK$28.73M · min. income ≈ HK$307,262/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,451
−HK$10,564/mo
▼ 0.25% · 3.875%
HK$173,691
−HK$5,324/mo
Today · 4.125%
HK$179,015
baseline
▲ 0.50% · 4.625%
HK$189,908
+HK$10,893/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$358,030/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,401
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,427
−HK$5,098/mo
Today · 4.125%
HK$197,525
baseline
▲ 0.50% · 4.625%
HK$207,937
+HK$10,412/mo
Deposit HK$4.10M · loan HK$36.94M · min. income ≈ HK$395,050/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,744,246 · Scale 2, in force from 26 Feb 2026)