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$94,871
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,822
−HK$2,999/mo
Today · 4.125%
HK$100,821
baseline
▲ 0.50% · 4.625%
HK$106,955
+HK$6,134/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,642/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,543
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,374
−HK$2,872/mo
Today · 4.125%
HK$111,246
baseline
▲ 0.50% · 4.625%
HK$117,109
+HK$5,863/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,492/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,846
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,387
−HK$3,598/mo
Today · 4.125%
HK$120,985
baseline
▲ 0.50% · 4.625%
HK$128,346
+HK$7,361/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,970/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,652
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,049
−HK$3,446/mo
Today · 4.125%
HK$133,495
baseline
▲ 0.50% · 4.625%
HK$140,531
+HK$7,036/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,990/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,820
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$136,951
−HK$4,198/mo
Today · 4.125%
HK$141,149
baseline
▲ 0.50% · 4.625%
HK$149,737
+HK$8,588/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$282,298/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,761
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,724
−HK$4,020/mo
Today · 4.125%
HK$155,744
baseline
▲ 0.50% · 4.625%
HK$163,953
+HK$8,209/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$311,488/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,768
−HK$10,709/mo
▼ 0.25% · 3.875%
HK$176,080
−HK$5,397/mo
Today · 4.125%
HK$181,477
baseline
▲ 0.50% · 4.625%
HK$192,519
+HK$11,042/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$362,954/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,978
−HK$10,264/mo
▼ 0.25% · 3.875%
HK$195,073
−HK$5,169/mo
Today · 4.125%
HK$200,242
baseline
▲ 0.50% · 4.625%
HK$210,797
+HK$10,555/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$400,484/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,236 · Scale 2, in force from 26 Feb 2026)