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$94,260
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,192
−HK$2,979/mo
Today · 4.125%
HK$100,171
baseline
▲ 0.50% · 4.625%
HK$106,266
+HK$6,095/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,342/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,864
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,676
−HK$2,853/mo
Today · 4.125%
HK$110,529
baseline
▲ 0.50% · 4.625%
HK$116,355
+HK$5,826/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,058/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,112
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,631
−HK$3,575/mo
Today · 4.125%
HK$120,206
baseline
▲ 0.50% · 4.625%
HK$127,520
+HK$7,314/mo
Deposit HK$16.54M · loan HK$24.80M · min. income ≈ HK$240,412/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,836
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,211
−HK$3,424/mo
Today · 4.125%
HK$132,635
baseline
▲ 0.50% · 4.625%
HK$139,626
+HK$6,991/mo
Deposit HK$16.54M · loan HK$24.80M · min. income ≈ HK$265,270/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,964
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$136,069
−HK$4,171/mo
Today · 4.125%
HK$140,240
baseline
▲ 0.50% · 4.625%
HK$148,773
+HK$8,533/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$280,480/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,809
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,747
−HK$3,994/mo
Today · 4.125%
HK$154,741
baseline
▲ 0.50% · 4.625%
HK$162,897
+HK$8,156/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$309,482/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,669
−HK$10,639/mo
▼ 0.25% · 3.875%
HK$174,946
−HK$5,362/mo
Today · 4.125%
HK$180,308
baseline
▲ 0.50% · 4.625%
HK$191,280
+HK$10,972/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$360,616/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,755
−HK$10,197/mo
▼ 0.25% · 3.875%
HK$193,817
−HK$5,135/mo
Today · 4.125%
HK$198,952
baseline
▲ 0.50% · 4.625%
HK$209,440
+HK$10,488/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$397,904/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,849 · Scale 2, in force from 26 Feb 2026)