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$93,442
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,349
−HK$2,953/mo
Today · 4.125%
HK$99,302
baseline
▲ 0.50% · 4.625%
HK$105,344
+HK$6,042/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,604/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,953
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,741
−HK$2,829/mo
Today · 4.125%
HK$109,570
baseline
▲ 0.50% · 4.625%
HK$115,345
+HK$5,775/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,140/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,130
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,618
−HK$3,544/mo
Today · 4.125%
HK$119,162
baseline
▲ 0.50% · 4.625%
HK$126,413
+HK$7,251/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$238,324/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,744
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,089
−HK$3,394/mo
Today · 4.125%
HK$131,483
baseline
▲ 0.50% · 4.625%
HK$138,414
+HK$6,931/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$262,966/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,819
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$134,888
−HK$4,134/mo
Today · 4.125%
HK$139,022
baseline
▲ 0.50% · 4.625%
HK$147,481
+HK$8,459/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$278,044/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,535
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$149,438
−HK$3,959/mo
Today · 4.125%
HK$153,397
baseline
▲ 0.50% · 4.625%
HK$161,483
+HK$8,086/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$306,794/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,196
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$173,427
−HK$5,316/mo
Today · 4.125%
HK$178,743
baseline
▲ 0.50% · 4.625%
HK$189,619
+HK$10,876/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$357,486/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,116
−HK$10,109/mo
▼ 0.25% · 3.875%
HK$192,134
−HK$5,091/mo
Today · 4.125%
HK$197,225
baseline
▲ 0.50% · 4.625%
HK$207,621
+HK$10,396/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$394,450/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,595 · Scale 2, in force from 26 Feb 2026)