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$94,593
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,535
−HK$2,989/mo
Today · 4.125%
HK$100,524
baseline
▲ 0.50% · 4.625%
HK$106,641
+HK$6,117/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,048/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,233
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,056
−HK$2,863/mo
Today · 4.125%
HK$110,919
baseline
▲ 0.50% · 4.625%
HK$116,766
+HK$5,847/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,838/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,511
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,042
−HK$3,587/mo
Today · 4.125%
HK$120,629
baseline
▲ 0.50% · 4.625%
HK$127,969
+HK$7,340/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$241,258/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,280
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,667
−HK$3,436/mo
Today · 4.125%
HK$133,103
baseline
▲ 0.50% · 4.625%
HK$140,119
+HK$7,016/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$266,206/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,430
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,549
−HK$4,185/mo
Today · 4.125%
HK$140,734
baseline
▲ 0.50% · 4.625%
HK$149,298
+HK$8,564/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$281,468/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,327
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$151,278
−HK$4,008/mo
Today · 4.125%
HK$155,286
baseline
▲ 0.50% · 4.625%
HK$163,472
+HK$8,186/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$310,572/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,267
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$175,563
−HK$5,381/mo
Today · 4.125%
HK$180,944
baseline
▲ 0.50% · 4.625%
HK$191,954
+HK$11,010/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$361,888/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,420
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$194,500
−HK$5,154/mo
Today · 4.125%
HK$199,654
baseline
▲ 0.50% · 4.625%
HK$210,178
+HK$10,524/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$399,308/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,043 · Scale 2, in force from 26 Feb 2026)