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$94,617
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,561
−HK$2,990/mo
Today · 4.125%
HK$100,551
baseline
▲ 0.50% · 4.625%
HK$106,669
+HK$6,118/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,102/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,261
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,084
−HK$2,864/mo
Today · 4.125%
HK$110,948
baseline
▲ 0.50% · 4.625%
HK$116,796
+HK$5,848/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,896/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,541
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,073
−HK$3,588/mo
Today · 4.125%
HK$120,661
baseline
▲ 0.50% · 4.625%
HK$128,003
+HK$7,342/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,322/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,313
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,701
−HK$3,436/mo
Today · 4.125%
HK$133,137
baseline
▲ 0.50% · 4.625%
HK$140,155
+HK$7,018/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,274/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,464
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,585
−HK$4,186/mo
Today · 4.125%
HK$140,771
baseline
▲ 0.50% · 4.625%
HK$149,337
+HK$8,566/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$281,542/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,365
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,318
−HK$4,009/mo
Today · 4.125%
HK$155,327
baseline
▲ 0.50% · 4.625%
HK$163,515
+HK$8,188/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$310,654/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,311
−HK$10,680/mo
▼ 0.25% · 3.875%
HK$175,609
−HK$5,382/mo
Today · 4.125%
HK$180,991
baseline
▲ 0.50% · 4.625%
HK$192,004
+HK$11,013/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$361,982/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,470
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$194,551
−HK$5,155/mo
Today · 4.125%
HK$199,706
baseline
▲ 0.50% · 4.625%
HK$210,233
+HK$10,527/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$399,412/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,505 · Scale 2, in force from 26 Feb 2026)