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$94,219
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,150
−HK$2,977/mo
Today · 4.125%
HK$100,127
baseline
▲ 0.50% · 4.625%
HK$106,220
+HK$6,093/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$200,254/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,818
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,629
−HK$2,851/mo
Today · 4.125%
HK$110,480
baseline
▲ 0.50% · 4.625%
HK$116,304
+HK$5,824/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$220,960/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,063
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,580
−HK$3,573/mo
Today · 4.125%
HK$120,153
baseline
▲ 0.50% · 4.625%
HK$127,464
+HK$7,311/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$240,306/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,781
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,154
−HK$3,423/mo
Today · 4.125%
HK$132,577
baseline
▲ 0.50% · 4.625%
HK$139,565
+HK$6,988/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$265,154/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,906
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$136,009
−HK$4,169/mo
Today · 4.125%
HK$140,178
baseline
▲ 0.50% · 4.625%
HK$148,708
+HK$8,530/mo
Deposit HK$12.40M · loan HK$28.92M · min. income ≈ HK$280,356/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,745
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,680
−HK$3,993/mo
Today · 4.125%
HK$154,673
baseline
▲ 0.50% · 4.625%
HK$162,826
+HK$8,153/mo
Deposit HK$12.40M · loan HK$28.92M · min. income ≈ HK$309,346/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,594
−HK$10,635/mo
▼ 0.25% · 3.875%
HK$174,869
−HK$5,360/mo
Today · 4.125%
HK$180,229
baseline
▲ 0.50% · 4.625%
HK$191,195
+HK$10,966/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$360,458/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,672
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$193,732
−HK$5,133/mo
Today · 4.125%
HK$198,865
baseline
▲ 0.50% · 4.625%
HK$209,347
+HK$10,482/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$397,730/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,075 · Scale 2, in force from 26 Feb 2026)