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$93,853
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,772
−HK$2,966/mo
Today · 4.125%
HK$99,738
baseline
▲ 0.50% · 4.625%
HK$105,807
+HK$6,069/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,476/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,410
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,210
−HK$2,841/mo
Today · 4.125%
HK$110,051
baseline
▲ 0.50% · 4.625%
HK$115,852
+HK$5,801/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,102/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,623
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,126
−HK$3,559/mo
Today · 4.125%
HK$119,685
baseline
▲ 0.50% · 4.625%
HK$126,968
+HK$7,283/mo
Deposit HK$16.46M · loan HK$24.70M · min. income ≈ HK$239,370/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,292
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,652
−HK$3,409/mo
Today · 4.125%
HK$132,061
baseline
▲ 0.50% · 4.625%
HK$139,022
+HK$6,961/mo
Deposit HK$16.46M · loan HK$24.70M · min. income ≈ HK$264,122/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,394
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,481
−HK$4,152/mo
Today · 4.125%
HK$139,633
baseline
▲ 0.50% · 4.625%
HK$148,129
+HK$8,496/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,266/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,174
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,094
−HK$3,977/mo
Today · 4.125%
HK$154,071
baseline
▲ 0.50% · 4.625%
HK$162,193
+HK$8,122/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,142/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,935
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$174,189
−HK$5,339/mo
Today · 4.125%
HK$179,528
baseline
▲ 0.50% · 4.625%
HK$190,452
+HK$10,924/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,056/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,938
−HK$10,154/mo
▼ 0.25% · 3.875%
HK$192,978
−HK$5,114/mo
Today · 4.125%
HK$198,092
baseline
▲ 0.50% · 4.625%
HK$208,533
+HK$10,441/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,184/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,248 · Scale 2, in force from 26 Feb 2026)