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$93,846
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,766
−HK$2,965/mo
Today · 4.125%
HK$99,731
baseline
▲ 0.50% · 4.625%
HK$105,800
+HK$6,069/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,462/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,403
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,203
−HK$2,841/mo
Today · 4.125%
HK$110,044
baseline
▲ 0.50% · 4.625%
HK$115,844
+HK$5,800/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,088/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,616
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,119
−HK$3,559/mo
Today · 4.125%
HK$119,678
baseline
▲ 0.50% · 4.625%
HK$126,960
+HK$7,282/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,356/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,284
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,644
−HK$3,409/mo
Today · 4.125%
HK$132,053
baseline
▲ 0.50% · 4.625%
HK$139,013
+HK$6,960/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,106/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,385
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,472
−HK$4,152/mo
Today · 4.125%
HK$139,624
baseline
▲ 0.50% · 4.625%
HK$148,120
+HK$8,496/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,248/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,165
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$150,085
−HK$3,976/mo
Today · 4.125%
HK$154,061
baseline
▲ 0.50% · 4.625%
HK$162,182
+HK$8,121/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,122/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,924
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$174,178
−HK$5,339/mo
Today · 4.125%
HK$179,517
baseline
▲ 0.50% · 4.625%
HK$190,440
+HK$10,923/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,034/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,926
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$192,966
−HK$5,113/mo
Today · 4.125%
HK$198,079
baseline
▲ 0.50% · 4.625%
HK$208,520
+HK$10,441/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,158/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,135 · Scale 2, in force from 26 Feb 2026)