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$94,176
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,105
−HK$2,977/mo
Today · 4.125%
HK$100,082
baseline
▲ 0.50% · 4.625%
HK$106,171
+HK$6,089/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,164/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,770
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,580
−HK$2,850/mo
Today · 4.125%
HK$110,430
baseline
▲ 0.50% · 4.625%
HK$116,251
+HK$5,821/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,860/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,011
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,526
−HK$3,572/mo
Today · 4.125%
HK$120,098
baseline
▲ 0.50% · 4.625%
HK$127,406
+HK$7,308/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,196/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,724
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,096
−HK$3,420/mo
Today · 4.125%
HK$132,516
baseline
▲ 0.50% · 4.625%
HK$139,501
+HK$6,985/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,032/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,846
−HK$8,268/mo
▼ 0.25% · 3.875%
HK$135,947
−HK$4,167/mo
Today · 4.125%
HK$140,114
baseline
▲ 0.50% · 4.625%
HK$148,640
+HK$8,526/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,228/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,678
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,611
−HK$3,991/mo
Today · 4.125%
HK$154,602
baseline
▲ 0.50% · 4.625%
HK$162,752
+HK$8,150/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,204/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,517
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$174,790
−HK$5,357/mo
Today · 4.125%
HK$180,147
baseline
▲ 0.50% · 4.625%
HK$191,108
+HK$10,961/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,294/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,586
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,643
−HK$5,131/mo
Today · 4.125%
HK$198,774
baseline
▲ 0.50% · 4.625%
HK$209,252
+HK$10,478/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,548/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,275 · Scale 2, in force from 26 Feb 2026)