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$94,604
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,547
−HK$2,990/mo
Today · 4.125%
HK$100,537
baseline
▲ 0.50% · 4.625%
HK$106,654
+HK$6,117/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,074/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,246
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,069
−HK$2,864/mo
Today · 4.125%
HK$110,933
baseline
▲ 0.50% · 4.625%
HK$116,780
+HK$5,847/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,866/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,525
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,057
−HK$3,587/mo
Today · 4.125%
HK$120,644
baseline
▲ 0.50% · 4.625%
HK$127,985
+HK$7,341/mo
Deposit HK$16.60M · loan HK$24.89M · min. income ≈ HK$241,288/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,296
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,683
−HK$3,436/mo
Today · 4.125%
HK$133,119
baseline
▲ 0.50% · 4.625%
HK$140,136
+HK$7,017/mo
Deposit HK$16.60M · loan HK$24.89M · min. income ≈ HK$266,238/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,446
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$136,566
−HK$4,186/mo
Today · 4.125%
HK$140,752
baseline
▲ 0.50% · 4.625%
HK$149,316
+HK$8,564/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$281,504/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,345
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,297
−HK$4,009/mo
Today · 4.125%
HK$155,306
baseline
▲ 0.50% · 4.625%
HK$163,492
+HK$8,186/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$310,612/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,288
−HK$10,678/mo
▼ 0.25% · 3.875%
HK$175,585
−HK$5,381/mo
Today · 4.125%
HK$180,966
baseline
▲ 0.50% · 4.625%
HK$191,978
+HK$11,012/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$361,932/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,444
−HK$10,235/mo
▼ 0.25% · 3.875%
HK$194,524
−HK$5,155/mo
Today · 4.125%
HK$199,679
baseline
▲ 0.50% · 4.625%
HK$210,204
+HK$10,525/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$399,358/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,261 · Scale 2, in force from 26 Feb 2026)