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$94,171
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,100
−HK$2,976/mo
Today · 4.125%
HK$100,076
baseline
▲ 0.50% · 4.625%
HK$106,166
+HK$6,090/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,152/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,764
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,574
−HK$2,851/mo
Today · 4.125%
HK$110,425
baseline
▲ 0.50% · 4.625%
HK$116,245
+HK$5,820/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,850/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,005
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,520
−HK$3,572/mo
Today · 4.125%
HK$120,092
baseline
▲ 0.50% · 4.625%
HK$127,399
+HK$7,307/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,184/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,717
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,089
−HK$3,420/mo
Today · 4.125%
HK$132,509
baseline
▲ 0.50% · 4.625%
HK$139,494
+HK$6,985/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,018/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,840
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,941
−HK$4,166/mo
Today · 4.125%
HK$140,107
baseline
▲ 0.50% · 4.625%
HK$148,632
+HK$8,525/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,214/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,670
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,604
−HK$3,990/mo
Today · 4.125%
HK$154,594
baseline
▲ 0.50% · 4.625%
HK$162,743
+HK$8,149/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,188/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,508
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$174,781
−HK$5,357/mo
Today · 4.125%
HK$180,138
baseline
▲ 0.50% · 4.625%
HK$191,099
+HK$10,961/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,276/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,576
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,633
−HK$5,131/mo
Today · 4.125%
HK$198,764
baseline
▲ 0.50% · 4.625%
HK$209,241
+HK$10,477/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,528/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,186 · Scale 2, in force from 26 Feb 2026)