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$93,985
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,909
−HK$2,970/mo
Today · 4.125%
HK$99,879
baseline
▲ 0.50% · 4.625%
HK$105,956
+HK$6,077/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,758/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,557
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,362
−HK$2,844/mo
Today · 4.125%
HK$110,206
baseline
▲ 0.50% · 4.625%
HK$116,016
+HK$5,810/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,412/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,782
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$116,290
−HK$3,565/mo
Today · 4.125%
HK$119,855
baseline
▲ 0.50% · 4.625%
HK$127,147
+HK$7,292/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$239,710/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,469
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$128,834
−HK$3,414/mo
Today · 4.125%
HK$132,248
baseline
▲ 0.50% · 4.625%
HK$139,219
+HK$6,971/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$264,496/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,579
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,672
−HK$4,158/mo
Today · 4.125%
HK$139,830
baseline
▲ 0.50% · 4.625%
HK$148,339
+HK$8,509/mo
Deposit HK$12.37M · loan HK$28.85M · min. income ≈ HK$279,660/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,380
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,306
−HK$3,983/mo
Today · 4.125%
HK$154,289
baseline
▲ 0.50% · 4.625%
HK$162,422
+HK$8,133/mo
Deposit HK$12.37M · loan HK$28.85M · min. income ≈ HK$308,578/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,173
−HK$10,609/mo
▼ 0.25% · 3.875%
HK$174,435
−HK$5,347/mo
Today · 4.125%
HK$179,782
baseline
▲ 0.50% · 4.625%
HK$190,721
+HK$10,939/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$359,564/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,203
−HK$10,168/mo
▼ 0.25% · 3.875%
HK$193,251
−HK$5,120/mo
Today · 4.125%
HK$198,371
baseline
▲ 0.50% · 4.625%
HK$208,828
+HK$10,457/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$396,742/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,751,718 · Scale 2, in force from 26 Feb 2026)