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$94,648
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,592
−HK$2,991/mo
Today · 4.125%
HK$100,583
baseline
▲ 0.50% · 4.625%
HK$106,704
+HK$6,121/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,166/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,295
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,119
−HK$2,865/mo
Today · 4.125%
HK$110,984
baseline
▲ 0.50% · 4.625%
HK$116,834
+HK$5,850/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,968/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,578
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,111
−HK$3,589/mo
Today · 4.125%
HK$120,700
baseline
▲ 0.50% · 4.625%
HK$128,044
+HK$7,344/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,400/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,354
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,743
−HK$3,438/mo
Today · 4.125%
HK$133,181
baseline
▲ 0.50% · 4.625%
HK$140,201
+HK$7,020/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,362/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,507
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,629
−HK$4,188/mo
Today · 4.125%
HK$140,817
baseline
▲ 0.50% · 4.625%
HK$149,385
+HK$8,568/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$281,634/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,413
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,367
−HK$4,010/mo
Today · 4.125%
HK$155,377
baseline
▲ 0.50% · 4.625%
HK$163,568
+HK$8,191/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$310,754/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,367
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$175,666
−HK$5,384/mo
Today · 4.125%
HK$181,050
baseline
▲ 0.50% · 4.625%
HK$192,067
+HK$11,017/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$362,100/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,531
−HK$10,240/mo
▼ 0.25% · 3.875%
HK$194,614
−HK$5,157/mo
Today · 4.125%
HK$199,771
baseline
▲ 0.50% · 4.625%
HK$210,301
+HK$10,530/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$399,542/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,764,077 · Scale 2, in force from 26 Feb 2026)