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$94,394
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,330
−HK$2,983/mo
Today · 4.125%
HK$100,313
baseline
▲ 0.50% · 4.625%
HK$106,417
+HK$6,104/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,626/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,012
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$107,829
−HK$2,857/mo
Today · 4.125%
HK$110,686
baseline
▲ 0.50% · 4.625%
HK$116,520
+HK$5,834/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,372/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,273
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,796
−HK$3,580/mo
Today · 4.125%
HK$120,376
baseline
▲ 0.50% · 4.625%
HK$127,700
+HK$7,324/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$240,752/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,015
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,394
−HK$3,429/mo
Today · 4.125%
HK$132,823
baseline
▲ 0.50% · 4.625%
HK$139,824
+HK$7,001/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$265,646/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,151
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,262
−HK$4,177/mo
Today · 4.125%
HK$140,439
baseline
▲ 0.50% · 4.625%
HK$148,984
+HK$8,545/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$280,878/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,017
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,960
−HK$4,000/mo
Today · 4.125%
HK$154,960
baseline
▲ 0.50% · 4.625%
HK$163,128
+HK$8,168/mo
Deposit HK$12.42M · loan HK$28.98M · min. income ≈ HK$309,920/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,909
−HK$10,655/mo
▼ 0.25% · 3.875%
HK$175,194
−HK$5,370/mo
Today · 4.125%
HK$180,564
baseline
▲ 0.50% · 4.625%
HK$191,551
+HK$10,987/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$361,128/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,022
−HK$10,212/mo
▼ 0.25% · 3.875%
HK$194,092
−HK$5,142/mo
Today · 4.125%
HK$199,234
baseline
▲ 0.50% · 4.625%
HK$209,736
+HK$10,502/mo
Deposit HK$4.14M · loan HK$37.26M · min. income ≈ HK$398,468/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,338 · Scale 2, in force from 26 Feb 2026)