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$93,699
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$96,614
−HK$2,961/mo
Today · 4.125%
HK$99,575
baseline
▲ 0.50% · 4.625%
HK$105,634
+HK$6,059/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,150/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,240
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,035
−HK$2,836/mo
Today · 4.125%
HK$109,871
baseline
▲ 0.50% · 4.625%
HK$115,663
+HK$5,792/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,742/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,439
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,937
−HK$3,553/mo
Today · 4.125%
HK$119,490
baseline
▲ 0.50% · 4.625%
HK$126,761
+HK$7,271/mo
Deposit HK$16.44M · loan HK$24.65M · min. income ≈ HK$238,980/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,088
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,442
−HK$3,404/mo
Today · 4.125%
HK$131,846
baseline
▲ 0.50% · 4.625%
HK$138,795
+HK$6,949/mo
Deposit HK$16.44M · loan HK$24.65M · min. income ≈ HK$263,692/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,179
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,260
−HK$4,145/mo
Today · 4.125%
HK$139,405
baseline
▲ 0.50% · 4.625%
HK$147,888
+HK$8,483/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$278,810/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,936
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,849
−HK$3,971/mo
Today · 4.125%
HK$153,820
baseline
▲ 0.50% · 4.625%
HK$161,928
+HK$8,108/mo
Deposit HK$12.33M · loan HK$28.76M · min. income ≈ HK$307,640/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,659
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$173,905
−HK$5,330/mo
Today · 4.125%
HK$179,235
baseline
▲ 0.50% · 4.625%
HK$190,141
+HK$10,906/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$358,470/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,631
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$192,664
−HK$5,105/mo
Today · 4.125%
HK$197,769
baseline
▲ 0.50% · 4.625%
HK$208,193
+HK$10,424/mo
Deposit HK$4.11M · loan HK$36.98M · min. income ≈ HK$395,538/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,395 · Scale 2, in force from 26 Feb 2026)