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$94,406
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$97,342
−HK$2,984/mo
Today · 4.125%
HK$100,326
baseline
▲ 0.50% · 4.625%
HK$106,431
+HK$6,105/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,652/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,026
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,842
−HK$2,858/mo
Today · 4.125%
HK$110,700
baseline
▲ 0.50% · 4.625%
HK$116,535
+HK$5,835/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,400/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,287
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,811
−HK$3,580/mo
Today · 4.125%
HK$120,391
baseline
▲ 0.50% · 4.625%
HK$127,717
+HK$7,326/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$240,782/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,031
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,411
−HK$3,429/mo
Today · 4.125%
HK$132,840
baseline
▲ 0.50% · 4.625%
HK$139,842
+HK$7,002/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$265,680/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,168
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,279
−HK$4,177/mo
Today · 4.125%
HK$140,456
baseline
▲ 0.50% · 4.625%
HK$149,003
+HK$8,547/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$280,912/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,036
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$150,979
−HK$4,001/mo
Today · 4.125%
HK$154,980
baseline
▲ 0.50% · 4.625%
HK$163,149
+HK$8,169/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$309,960/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,931
−HK$10,656/mo
▼ 0.25% · 3.875%
HK$175,216
−HK$5,371/mo
Today · 4.125%
HK$180,587
baseline
▲ 0.50% · 4.625%
HK$191,575
+HK$10,988/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$361,174/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,046
−HK$10,214/mo
▼ 0.25% · 3.875%
HK$194,116
−HK$5,144/mo
Today · 4.125%
HK$199,260
baseline
▲ 0.50% · 4.625%
HK$209,763
+HK$10,503/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$398,520/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,561 · Scale 2, in force from 26 Feb 2026)