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$94,405
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,342
−HK$2,983/mo
Today · 4.125%
HK$100,325
baseline
▲ 0.50% · 4.625%
HK$106,430
+HK$6,105/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,650/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,025
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,841
−HK$2,858/mo
Today · 4.125%
HK$110,699
baseline
▲ 0.50% · 4.625%
HK$116,534
+HK$5,835/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,398/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,286
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,810
−HK$3,580/mo
Today · 4.125%
HK$120,390
baseline
▲ 0.50% · 4.625%
HK$127,715
+HK$7,325/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$240,780/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,029
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,410
−HK$3,428/mo
Today · 4.125%
HK$132,838
baseline
▲ 0.50% · 4.625%
HK$139,841
+HK$7,003/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$265,676/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,167
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,278
−HK$4,177/mo
Today · 4.125%
HK$140,455
baseline
▲ 0.50% · 4.625%
HK$149,001
+HK$8,546/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$280,910/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,034
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,978
−HK$4,000/mo
Today · 4.125%
HK$154,978
baseline
▲ 0.50% · 4.625%
HK$163,147
+HK$8,169/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$309,956/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,929
−HK$10,656/mo
▼ 0.25% · 3.875%
HK$175,215
−HK$5,370/mo
Today · 4.125%
HK$180,585
baseline
▲ 0.50% · 4.625%
HK$191,573
+HK$10,988/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$361,170/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,044
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$194,114
−HK$5,144/mo
Today · 4.125%
HK$199,258
baseline
▲ 0.50% · 4.625%
HK$209,761
+HK$10,503/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$398,516/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,544 · Scale 2, in force from 26 Feb 2026)