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$94,156
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,085
−HK$2,976/mo
Today · 4.125%
HK$100,061
baseline
▲ 0.50% · 4.625%
HK$106,149
+HK$6,088/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,122/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,748
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,557
−HK$2,850/mo
Today · 4.125%
HK$110,407
baseline
▲ 0.50% · 4.625%
HK$116,227
+HK$5,820/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,814/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,987
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,502
−HK$3,571/mo
Today · 4.125%
HK$120,073
baseline
▲ 0.50% · 4.625%
HK$127,379
+HK$7,306/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,146/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,697
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,068
−HK$3,420/mo
Today · 4.125%
HK$132,488
baseline
▲ 0.50% · 4.625%
HK$139,472
+HK$6,984/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$264,976/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,819
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,919
−HK$4,166/mo
Today · 4.125%
HK$140,085
baseline
▲ 0.50% · 4.625%
HK$148,609
+HK$8,524/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$280,170/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,647
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$150,580
−HK$3,990/mo
Today · 4.125%
HK$154,570
baseline
▲ 0.50% · 4.625%
HK$162,717
+HK$8,147/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$309,140/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,481
−HK$10,628/mo
▼ 0.25% · 3.875%
HK$174,753
−HK$5,356/mo
Today · 4.125%
HK$180,109
baseline
▲ 0.50% · 4.625%
HK$191,068
+HK$10,959/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$360,218/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,546
−HK$10,187/mo
▼ 0.25% · 3.875%
HK$193,603
−HK$5,130/mo
Today · 4.125%
HK$198,733
baseline
▲ 0.50% · 4.625%
HK$209,208
+HK$10,475/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$397,466/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,907 · Scale 2, in force from 26 Feb 2026)