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$93,879
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,799
−HK$2,967/mo
Today · 4.125%
HK$99,766
baseline
▲ 0.50% · 4.625%
HK$105,837
+HK$6,071/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,532/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,439
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,240
−HK$2,842/mo
Today · 4.125%
HK$110,082
baseline
▲ 0.50% · 4.625%
HK$115,885
+HK$5,803/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,164/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,655
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,159
−HK$3,560/mo
Today · 4.125%
HK$119,719
baseline
▲ 0.50% · 4.625%
HK$127,004
+HK$7,285/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,438/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,327
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,689
−HK$3,409/mo
Today · 4.125%
HK$132,098
baseline
▲ 0.50% · 4.625%
HK$139,061
+HK$6,963/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,196/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,431
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,519
−HK$4,153/mo
Today · 4.125%
HK$139,672
baseline
▲ 0.50% · 4.625%
HK$148,171
+HK$8,499/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,344/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,215
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,137
−HK$3,978/mo
Today · 4.125%
HK$154,115
baseline
▲ 0.50% · 4.625%
HK$162,238
+HK$8,123/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,230/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,982
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$174,239
−HK$5,340/mo
Today · 4.125%
HK$179,579
baseline
▲ 0.50% · 4.625%
HK$190,506
+HK$10,927/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$359,158/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,991
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,033
−HK$5,115/mo
Today · 4.125%
HK$198,148
baseline
▲ 0.50% · 4.625%
HK$208,592
+HK$10,444/mo
Deposit HK$4.12M · loan HK$37.05M · min. income ≈ HK$396,296/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,741 · Scale 2, in force from 26 Feb 2026)