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$94,612
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,555
−HK$2,990/mo
Today · 4.125%
HK$100,545
baseline
▲ 0.50% · 4.625%
HK$106,663
+HK$6,118/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,090/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,255
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,078
−HK$2,864/mo
Today · 4.125%
HK$110,942
baseline
▲ 0.50% · 4.625%
HK$116,790
+HK$5,848/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,884/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,535
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,066
−HK$3,588/mo
Today · 4.125%
HK$120,654
baseline
▲ 0.50% · 4.625%
HK$127,996
+HK$7,342/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,308/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,306
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,694
−HK$3,436/mo
Today · 4.125%
HK$133,130
baseline
▲ 0.50% · 4.625%
HK$140,148
+HK$7,018/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,260/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,457
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$136,577
−HK$4,186/mo
Today · 4.125%
HK$140,763
baseline
▲ 0.50% · 4.625%
HK$149,329
+HK$8,566/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$281,526/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,357
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,309
−HK$4,010/mo
Today · 4.125%
HK$155,319
baseline
▲ 0.50% · 4.625%
HK$163,506
+HK$8,187/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$310,638/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,302
−HK$10,680/mo
▼ 0.25% · 3.875%
HK$175,599
−HK$5,383/mo
Today · 4.125%
HK$180,982
baseline
▲ 0.50% · 4.625%
HK$191,994
+HK$11,012/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$361,964/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,459
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$194,541
−HK$5,154/mo
Today · 4.125%
HK$199,695
baseline
▲ 0.50% · 4.625%
HK$210,222
+HK$10,527/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$399,390/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,408 · Scale 2, in force from 26 Feb 2026)