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$93,689
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,603
−HK$2,961/mo
Today · 4.125%
HK$99,564
baseline
▲ 0.50% · 4.625%
HK$105,622
+HK$6,058/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$199,128/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,228
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,023
−HK$2,836/mo
Today · 4.125%
HK$109,859
baseline
▲ 0.50% · 4.625%
HK$115,650
+HK$5,791/mo
Deposit HK$20.54M · loan HK$20.54M · min. income ≈ HK$219,718/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,427
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,924
−HK$3,553/mo
Today · 4.125%
HK$119,477
baseline
▲ 0.50% · 4.625%
HK$126,747
+HK$7,270/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$238,954/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,074
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,428
−HK$3,403/mo
Today · 4.125%
HK$131,831
baseline
▲ 0.50% · 4.625%
HK$138,780
+HK$6,949/mo
Deposit HK$16.43M · loan HK$24.65M · min. income ≈ HK$263,662/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,165
−HK$8,225/mo
▼ 0.25% · 3.875%
HK$135,245
−HK$4,145/mo
Today · 4.125%
HK$139,390
baseline
▲ 0.50% · 4.625%
HK$147,871
+HK$8,481/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$278,780/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,919
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,833
−HK$3,970/mo
Today · 4.125%
HK$153,803
baseline
▲ 0.50% · 4.625%
HK$161,910
+HK$8,107/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$307,606/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,640
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$173,886
−HK$5,330/mo
Today · 4.125%
HK$179,216
baseline
▲ 0.50% · 4.625%
HK$190,120
+HK$10,904/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$358,432/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,611
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$192,642
−HK$5,105/mo
Today · 4.125%
HK$197,747
baseline
▲ 0.50% · 4.625%
HK$208,170
+HK$10,423/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$395,494/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$1,746,201 · Scale 2, in force from 26 Feb 2026)