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$94,642
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,586
−HK$2,991/mo
Today · 4.125%
HK$100,577
baseline
▲ 0.50% · 4.625%
HK$106,697
+HK$6,120/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,154/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,288
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,112
−HK$2,865/mo
Today · 4.125%
HK$110,977
baseline
▲ 0.50% · 4.625%
HK$116,827
+HK$5,850/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,954/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,571
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,103
−HK$3,589/mo
Today · 4.125%
HK$120,692
baseline
▲ 0.50% · 4.625%
HK$128,036
+HK$7,344/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,384/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,346
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,735
−HK$3,437/mo
Today · 4.125%
HK$133,172
baseline
▲ 0.50% · 4.625%
HK$140,192
+HK$7,020/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,344/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,499
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$136,620
−HK$4,188/mo
Today · 4.125%
HK$140,808
baseline
▲ 0.50% · 4.625%
HK$149,376
+HK$8,568/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$281,616/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,404
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,357
−HK$4,011/mo
Today · 4.125%
HK$155,368
baseline
▲ 0.50% · 4.625%
HK$163,557
+HK$8,189/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$310,736/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,356
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$175,655
−HK$5,384/mo
Today · 4.125%
HK$181,039
baseline
▲ 0.50% · 4.625%
HK$192,054
+HK$11,015/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$362,078/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,519
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$194,602
−HK$5,156/mo
Today · 4.125%
HK$199,758
baseline
▲ 0.50% · 4.625%
HK$210,288
+HK$10,530/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$399,516/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,965 · Scale 2, in force from 26 Feb 2026)