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$93,445
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,352
−HK$2,953/mo
Today · 4.125%
HK$99,305
baseline
▲ 0.50% · 4.625%
HK$105,347
+HK$6,042/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,610/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,957
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,745
−HK$2,828/mo
Today · 4.125%
HK$109,573
baseline
▲ 0.50% · 4.625%
HK$115,349
+HK$5,776/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,146/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,134
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,622
−HK$3,544/mo
Today · 4.125%
HK$119,166
baseline
▲ 0.50% · 4.625%
HK$126,417
+HK$7,251/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$238,332/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,748
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,094
−HK$3,394/mo
Today · 4.125%
HK$131,488
baseline
▲ 0.50% · 4.625%
HK$138,419
+HK$6,931/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$262,976/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,823
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$134,892
−HK$4,135/mo
Today · 4.125%
HK$139,027
baseline
▲ 0.50% · 4.625%
HK$147,486
+HK$8,459/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$278,054/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,539
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$149,443
−HK$3,959/mo
Today · 4.125%
HK$153,402
baseline
▲ 0.50% · 4.625%
HK$161,488
+HK$8,086/mo
Deposit HK$12.29M · loan HK$28.69M · min. income ≈ HK$306,804/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,201
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$173,433
−HK$5,316/mo
Today · 4.125%
HK$178,749
baseline
▲ 0.50% · 4.625%
HK$189,625
+HK$10,876/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$357,498/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,122
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$192,141
−HK$5,091/mo
Today · 4.125%
HK$197,232
baseline
▲ 0.50% · 4.625%
HK$207,628
+HK$10,396/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$394,464/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,653 · Scale 2, in force from 26 Feb 2026)