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$94,620
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,564
−HK$2,990/mo
Today · 4.125%
HK$100,554
baseline
▲ 0.50% · 4.625%
HK$106,672
+HK$6,118/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,108/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,264
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,087
−HK$2,864/mo
Today · 4.125%
HK$110,951
baseline
▲ 0.50% · 4.625%
HK$116,800
+HK$5,849/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,902/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,544
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,076
−HK$3,589/mo
Today · 4.125%
HK$120,665
baseline
▲ 0.50% · 4.625%
HK$128,007
+HK$7,342/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,330/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,317
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,705
−HK$3,436/mo
Today · 4.125%
HK$133,141
baseline
▲ 0.50% · 4.625%
HK$140,160
+HK$7,019/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,282/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,468
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,589
−HK$4,186/mo
Today · 4.125%
HK$140,775
baseline
▲ 0.50% · 4.625%
HK$149,341
+HK$8,566/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$281,550/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,370
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,322
−HK$4,010/mo
Today · 4.125%
HK$155,332
baseline
▲ 0.50% · 4.625%
HK$163,519
+HK$8,187/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$310,664/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,317
−HK$10,680/mo
▼ 0.25% · 3.875%
HK$175,614
−HK$5,383/mo
Today · 4.125%
HK$180,997
baseline
▲ 0.50% · 4.625%
HK$192,010
+HK$11,013/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$361,994/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,475
−HK$10,237/mo
▼ 0.25% · 3.875%
HK$194,557
−HK$5,155/mo
Today · 4.125%
HK$199,712
baseline
▲ 0.50% · 4.625%
HK$210,239
+HK$10,527/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$399,424/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,557 · Scale 2, in force from 26 Feb 2026)