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$94,652
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,596
−HK$2,991/mo
Today · 4.125%
HK$100,587
baseline
▲ 0.50% · 4.625%
HK$106,708
+HK$6,121/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,174/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,299
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,123
−HK$2,865/mo
Today · 4.125%
HK$110,988
baseline
▲ 0.50% · 4.625%
HK$116,838
+HK$5,850/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,976/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,582
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,115
−HK$3,590/mo
Today · 4.125%
HK$120,705
baseline
▲ 0.50% · 4.625%
HK$128,049
+HK$7,344/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$241,410/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,359
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,748
−HK$3,438/mo
Today · 4.125%
HK$133,186
baseline
▲ 0.50% · 4.625%
HK$140,206
+HK$7,020/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$266,372/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,512
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,634
−HK$4,188/mo
Today · 4.125%
HK$140,822
baseline
▲ 0.50% · 4.625%
HK$149,391
+HK$8,569/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$281,644/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,419
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,372
−HK$4,011/mo
Today · 4.125%
HK$155,383
baseline
▲ 0.50% · 4.625%
HK$163,574
+HK$8,191/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$310,766/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,373
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$175,673
−HK$5,384/mo
Today · 4.125%
HK$181,057
baseline
▲ 0.50% · 4.625%
HK$192,074
+HK$11,017/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$362,114/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,538
−HK$10,241/mo
▼ 0.25% · 3.875%
HK$194,622
−HK$5,157/mo
Today · 4.125%
HK$199,779
baseline
▲ 0.50% · 4.625%
HK$210,309
+HK$10,530/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$399,558/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,144 · Scale 2, in force from 26 Feb 2026)