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$94,259
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,191
−HK$2,979/mo
Today · 4.125%
HK$100,170
baseline
▲ 0.50% · 4.625%
HK$106,265
+HK$6,095/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,340/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,862
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,675
−HK$2,853/mo
Today · 4.125%
HK$110,528
baseline
▲ 0.50% · 4.625%
HK$116,354
+HK$5,826/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,056/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,111
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,629
−HK$3,575/mo
Today · 4.125%
HK$120,204
baseline
▲ 0.50% · 4.625%
HK$127,518
+HK$7,314/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$240,408/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,835
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,210
−HK$3,423/mo
Today · 4.125%
HK$132,633
baseline
▲ 0.50% · 4.625%
HK$139,625
+HK$6,992/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$265,266/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,963
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$136,068
−HK$4,170/mo
Today · 4.125%
HK$140,238
baseline
▲ 0.50% · 4.625%
HK$148,771
+HK$8,533/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$280,476/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,807
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,745
−HK$3,994/mo
Today · 4.125%
HK$154,739
baseline
▲ 0.50% · 4.625%
HK$162,895
+HK$8,156/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$309,478/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,666
−HK$10,640/mo
▼ 0.25% · 3.875%
HK$174,944
−HK$5,362/mo
Today · 4.125%
HK$180,306
baseline
▲ 0.50% · 4.625%
HK$191,277
+HK$10,971/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$360,612/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,752
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$193,814
−HK$5,136/mo
Today · 4.125%
HK$198,950
baseline
▲ 0.50% · 4.625%
HK$209,437
+HK$10,487/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$397,900/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,826 · Scale 2, in force from 26 Feb 2026)