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$94,113
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,040
−HK$2,974/mo
Today · 4.125%
HK$100,014
baseline
▲ 0.50% · 4.625%
HK$106,100
+HK$6,086/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,028/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,699
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,507
−HK$2,849/mo
Today · 4.125%
HK$110,356
baseline
▲ 0.50% · 4.625%
HK$116,173
+HK$5,817/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,712/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,935
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,448
−HK$3,569/mo
Today · 4.125%
HK$120,017
baseline
▲ 0.50% · 4.625%
HK$127,320
+HK$7,303/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$240,034/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,639
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$129,009
−HK$3,418/mo
Today · 4.125%
HK$132,427
baseline
▲ 0.50% · 4.625%
HK$139,407
+HK$6,980/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$264,854/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,758
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,856
−HK$4,164/mo
Today · 4.125%
HK$140,020
baseline
▲ 0.50% · 4.625%
HK$148,540
+HK$8,520/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$280,040/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,579
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,510
−HK$3,988/mo
Today · 4.125%
HK$154,498
baseline
▲ 0.50% · 4.625%
HK$162,642
+HK$8,144/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$308,996/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,403
−HK$10,623/mo
▼ 0.25% · 3.875%
HK$174,672
−HK$5,354/mo
Today · 4.125%
HK$180,026
baseline
▲ 0.50% · 4.625%
HK$190,980
+HK$10,954/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$360,052/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,459
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$193,513
−HK$5,127/mo
Today · 4.125%
HK$198,640
baseline
▲ 0.50% · 4.625%
HK$209,111
+HK$10,471/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$397,280/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,094 · Scale 2, in force from 26 Feb 2026)