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$93,710
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,625
−HK$2,961/mo
Today · 4.125%
HK$99,586
baseline
▲ 0.50% · 4.625%
HK$105,646
+HK$6,060/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,172/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,251
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$107,047
−HK$2,837/mo
Today · 4.125%
HK$109,884
baseline
▲ 0.50% · 4.625%
HK$115,676
+HK$5,792/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,768/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,452
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,950
−HK$3,553/mo
Today · 4.125%
HK$119,503
baseline
▲ 0.50% · 4.625%
HK$126,775
+HK$7,272/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$239,006/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,101
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,457
−HK$3,403/mo
Today · 4.125%
HK$131,860
baseline
▲ 0.50% · 4.625%
HK$138,811
+HK$6,951/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,720/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,194
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$135,275
−HK$4,146/mo
Today · 4.125%
HK$139,421
baseline
▲ 0.50% · 4.625%
HK$147,904
+HK$8,483/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$278,842/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,952
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$149,866
−HK$3,971/mo
Today · 4.125%
HK$153,837
baseline
▲ 0.50% · 4.625%
HK$161,946
+HK$8,109/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$307,674/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,678
−HK$10,577/mo
▼ 0.25% · 3.875%
HK$173,924
−HK$5,331/mo
Today · 4.125%
HK$179,255
baseline
▲ 0.50% · 4.625%
HK$190,162
+HK$10,907/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$358,510/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,652
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$192,685
−HK$5,105/mo
Today · 4.125%
HK$197,790
baseline
▲ 0.50% · 4.625%
HK$208,216
+HK$10,426/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$395,580/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,588 · Scale 2, in force from 26 Feb 2026)