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$94,164
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,093
−HK$2,976/mo
Today · 4.125%
HK$100,069
baseline
▲ 0.50% · 4.625%
HK$106,158
+HK$6,089/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,138/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,757
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,566
−HK$2,850/mo
Today · 4.125%
HK$110,416
baseline
▲ 0.50% · 4.625%
HK$116,237
+HK$5,821/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,832/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,997
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,512
−HK$3,571/mo
Today · 4.125%
HK$120,083
baseline
▲ 0.50% · 4.625%
HK$127,390
+HK$7,307/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,166/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,708
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,079
−HK$3,421/mo
Today · 4.125%
HK$132,500
baseline
▲ 0.50% · 4.625%
HK$139,484
+HK$6,984/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,000/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,830
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,930
−HK$4,167/mo
Today · 4.125%
HK$140,097
baseline
▲ 0.50% · 4.625%
HK$148,621
+HK$8,524/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,194/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,659
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,593
−HK$3,990/mo
Today · 4.125%
HK$154,583
baseline
▲ 0.50% · 4.625%
HK$162,731
+HK$8,148/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,166/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,495
−HK$10,629/mo
▼ 0.25% · 3.875%
HK$174,768
−HK$5,356/mo
Today · 4.125%
HK$180,124
baseline
▲ 0.50% · 4.625%
HK$191,084
+HK$10,960/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,248/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,562
−HK$10,187/mo
▼ 0.25% · 3.875%
HK$193,619
−HK$5,130/mo
Today · 4.125%
HK$198,749
baseline
▲ 0.50% · 4.625%
HK$209,226
+HK$10,477/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,498/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,755,056 · Scale 2, in force from 26 Feb 2026)