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$94,423
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,360
−HK$2,985/mo
Today · 4.125%
HK$100,345
baseline
▲ 0.50% · 4.625%
HK$106,450
+HK$6,105/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,690/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,045
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,862
−HK$2,858/mo
Today · 4.125%
HK$110,720
baseline
▲ 0.50% · 4.625%
HK$116,556
+HK$5,836/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,440/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,308
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,833
−HK$3,580/mo
Today · 4.125%
HK$120,413
baseline
▲ 0.50% · 4.625%
HK$127,740
+HK$7,327/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$240,826/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,054
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,435
−HK$3,429/mo
Today · 4.125%
HK$132,864
baseline
▲ 0.50% · 4.625%
HK$139,868
+HK$7,004/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$265,728/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,193
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,305
−HK$4,177/mo
Today · 4.125%
HK$140,482
baseline
▲ 0.50% · 4.625%
HK$149,030
+HK$8,548/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$280,964/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,063
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$151,007
−HK$4,001/mo
Today · 4.125%
HK$155,008
baseline
▲ 0.50% · 4.625%
HK$163,179
+HK$8,171/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$310,016/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,962
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$175,249
−HK$5,371/mo
Today · 4.125%
HK$180,620
baseline
▲ 0.50% · 4.625%
HK$191,610
+HK$10,990/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$361,240/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,081
−HK$10,215/mo
▼ 0.25% · 3.875%
HK$194,152
−HK$5,144/mo
Today · 4.125%
HK$199,296
baseline
▲ 0.50% · 4.625%
HK$209,802
+HK$10,506/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$398,592/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,886 · Scale 2, in force from 26 Feb 2026)