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$94,578
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,520
−HK$2,989/mo
Today · 4.125%
HK$100,509
baseline
▲ 0.50% · 4.625%
HK$106,625
+HK$6,116/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,018/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,217
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,039
−HK$2,863/mo
Today · 4.125%
HK$110,902
baseline
▲ 0.50% · 4.625%
HK$116,747
+HK$5,845/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,804/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,494
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,024
−HK$3,587/mo
Today · 4.125%
HK$120,611
baseline
▲ 0.50% · 4.625%
HK$127,950
+HK$7,339/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$241,222/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,261
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,647
−HK$3,435/mo
Today · 4.125%
HK$133,082
baseline
▲ 0.50% · 4.625%
HK$140,097
+HK$7,015/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$266,164/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,409
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,528
−HK$4,185/mo
Today · 4.125%
HK$140,713
baseline
▲ 0.50% · 4.625%
HK$149,275
+HK$8,562/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$281,426/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,304
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,255
−HK$4,007/mo
Today · 4.125%
HK$155,262
baseline
▲ 0.50% · 4.625%
HK$163,446
+HK$8,184/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$310,524/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,241
−HK$10,675/mo
▼ 0.25% · 3.875%
HK$175,536
−HK$5,380/mo
Today · 4.125%
HK$180,916
baseline
▲ 0.50% · 4.625%
HK$191,924
+HK$11,008/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$361,832/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,391
−HK$10,232/mo
▼ 0.25% · 3.875%
HK$194,470
−HK$5,153/mo
Today · 4.125%
HK$199,623
baseline
▲ 0.50% · 4.625%
HK$210,145
+HK$10,522/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$399,246/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,770 · Scale 2, in force from 26 Feb 2026)