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$94,213
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,143
−HK$2,978/mo
Today · 4.125%
HK$100,121
baseline
▲ 0.50% · 4.625%
HK$106,213
+HK$6,092/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$200,242/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,811
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,622
−HK$2,851/mo
Today · 4.125%
HK$110,473
baseline
▲ 0.50% · 4.625%
HK$116,297
+HK$5,824/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$220,946/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,055
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,572
−HK$3,573/mo
Today · 4.125%
HK$120,145
baseline
▲ 0.50% · 4.625%
HK$127,455
+HK$7,310/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$240,290/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,773
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,146
−HK$3,422/mo
Today · 4.125%
HK$132,568
baseline
▲ 0.50% · 4.625%
HK$139,556
+HK$6,988/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$265,136/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,898
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$136,001
−HK$4,168/mo
Today · 4.125%
HK$140,169
baseline
▲ 0.50% · 4.625%
HK$148,698
+HK$8,529/mo
Deposit HK$12.40M · loan HK$28.92M · min. income ≈ HK$280,338/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,735
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,670
−HK$3,993/mo
Today · 4.125%
HK$154,663
baseline
▲ 0.50% · 4.625%
HK$162,815
+HK$8,152/mo
Deposit HK$12.40M · loan HK$28.92M · min. income ≈ HK$309,326/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,583
−HK$10,634/mo
▼ 0.25% · 3.875%
HK$174,858
−HK$5,359/mo
Today · 4.125%
HK$180,217
baseline
▲ 0.50% · 4.625%
HK$191,183
+HK$10,966/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$360,434/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,659
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$193,719
−HK$5,133/mo
Today · 4.125%
HK$198,852
baseline
▲ 0.50% · 4.625%
HK$209,334
+HK$10,482/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$397,704/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,961 · Scale 2, in force from 26 Feb 2026)