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$94,566
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,507
−HK$2,989/mo
Today · 4.125%
HK$100,496
baseline
▲ 0.50% · 4.625%
HK$106,611
+HK$6,115/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$200,992/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,203
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,025
−HK$2,862/mo
Today · 4.125%
HK$110,887
baseline
▲ 0.50% · 4.625%
HK$116,732
+HK$5,845/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,774/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,479
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,009
−HK$3,586/mo
Today · 4.125%
HK$120,595
baseline
▲ 0.50% · 4.625%
HK$127,933
+HK$7,338/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$241,190/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,244
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,630
−HK$3,435/mo
Today · 4.125%
HK$133,065
baseline
▲ 0.50% · 4.625%
HK$140,079
+HK$7,014/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$266,130/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,392
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$136,510
−HK$4,184/mo
Today · 4.125%
HK$140,694
baseline
▲ 0.50% · 4.625%
HK$149,255
+HK$8,561/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$281,388/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,285
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,235
−HK$4,007/mo
Today · 4.125%
HK$155,242
baseline
▲ 0.50% · 4.625%
HK$163,425
+HK$8,183/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$310,484/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,218
−HK$10,675/mo
▼ 0.25% · 3.875%
HK$175,513
−HK$5,380/mo
Today · 4.125%
HK$180,893
baseline
▲ 0.50% · 4.625%
HK$191,899
+HK$11,006/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$361,786/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,366
−HK$10,231/mo
▼ 0.25% · 3.875%
HK$194,445
−HK$5,152/mo
Today · 4.125%
HK$199,597
baseline
▲ 0.50% · 4.625%
HK$210,118
+HK$10,521/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$399,194/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,541 · Scale 2, in force from 26 Feb 2026)