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$94,244
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,176
−HK$2,978/mo
Today · 4.125%
HK$100,154
baseline
▲ 0.50% · 4.625%
HK$106,248
+HK$6,094/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,308/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,846
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,658
−HK$2,852/mo
Today · 4.125%
HK$110,510
baseline
▲ 0.50% · 4.625%
HK$116,335
+HK$5,825/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,020/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,093
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,611
−HK$3,574/mo
Today · 4.125%
HK$120,185
baseline
▲ 0.50% · 4.625%
HK$127,498
+HK$7,313/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$240,370/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,815
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,189
−HK$3,423/mo
Today · 4.125%
HK$132,612
baseline
▲ 0.50% · 4.625%
HK$139,603
+HK$6,991/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$265,224/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,942
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,046
−HK$4,170/mo
Today · 4.125%
HK$140,216
baseline
▲ 0.50% · 4.625%
HK$148,748
+HK$8,532/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$280,432/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,784
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$150,721
−HK$3,993/mo
Today · 4.125%
HK$154,714
baseline
▲ 0.50% · 4.625%
HK$162,870
+HK$8,156/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$309,428/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,640
−HK$10,638/mo
▼ 0.25% · 3.875%
HK$174,917
−HK$5,361/mo
Today · 4.125%
HK$180,278
baseline
▲ 0.50% · 4.625%
HK$191,247
+HK$10,969/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$360,556/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,723
−HK$10,196/mo
▼ 0.25% · 3.875%
HK$193,784
−HK$5,135/mo
Today · 4.125%
HK$198,919
baseline
▲ 0.50% · 4.625%
HK$209,404
+HK$10,485/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$397,838/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,550 · Scale 2, in force from 26 Feb 2026)