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$93,883
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,804
−HK$2,967/mo
Today · 4.125%
HK$99,771
baseline
▲ 0.50% · 4.625%
HK$105,841
+HK$6,070/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$199,542/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,444
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,245
−HK$2,842/mo
Today · 4.125%
HK$110,087
baseline
▲ 0.50% · 4.625%
HK$115,890
+HK$5,803/mo
Deposit HK$20.59M · loan HK$20.59M · min. income ≈ HK$220,174/mo (50% DSR)
Upfront cash ≈ HK$22.34M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,660
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,164
−HK$3,561/mo
Today · 4.125%
HK$119,725
baseline
▲ 0.50% · 4.625%
HK$127,010
+HK$7,285/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$239,450/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,333
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,695
−HK$3,410/mo
Today · 4.125%
HK$132,105
baseline
▲ 0.50% · 4.625%
HK$139,068
+HK$6,963/mo
Deposit HK$16.47M · loan HK$24.70M · min. income ≈ HK$264,210/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,437
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,525
−HK$4,154/mo
Today · 4.125%
HK$139,679
baseline
▲ 0.50% · 4.625%
HK$148,178
+HK$8,499/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$279,358/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,222
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,144
−HK$3,978/mo
Today · 4.125%
HK$154,122
baseline
▲ 0.50% · 4.625%
HK$162,246
+HK$8,124/mo
Deposit HK$12.35M · loan HK$28.82M · min. income ≈ HK$308,244/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,990
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$174,247
−HK$5,340/mo
Today · 4.125%
HK$179,587
baseline
▲ 0.50% · 4.625%
HK$190,515
+HK$10,928/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$359,174/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,000
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,042
−HK$5,115/mo
Today · 4.125%
HK$198,157
baseline
▲ 0.50% · 4.625%
HK$208,602
+HK$10,445/mo
Deposit HK$4.12M · loan HK$37.06M · min. income ≈ HK$396,314/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,749,822 · Scale 2, in force from 26 Feb 2026)