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$94,149
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,077
−HK$2,976/mo
Today · 4.125%
HK$100,053
baseline
▲ 0.50% · 4.625%
HK$106,141
+HK$6,088/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,106/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,739
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,548
−HK$2,850/mo
Today · 4.125%
HK$110,398
baseline
▲ 0.50% · 4.625%
HK$116,217
+HK$5,819/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,796/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,978
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,493
−HK$3,570/mo
Today · 4.125%
HK$120,063
baseline
▲ 0.50% · 4.625%
HK$127,369
+HK$7,306/mo
Deposit HK$16.52M · loan HK$24.77M · min. income ≈ HK$240,126/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,687
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,058
−HK$3,420/mo
Today · 4.125%
HK$132,478
baseline
▲ 0.50% · 4.625%
HK$139,461
+HK$6,983/mo
Deposit HK$16.52M · loan HK$24.77M · min. income ≈ HK$264,956/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,808
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,908
−HK$4,166/mo
Today · 4.125%
HK$140,074
baseline
▲ 0.50% · 4.625%
HK$148,597
+HK$8,523/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$280,148/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,635
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,568
−HK$3,989/mo
Today · 4.125%
HK$154,557
baseline
▲ 0.50% · 4.625%
HK$162,704
+HK$8,147/mo
Deposit HK$12.39M · loan HK$28.90M · min. income ≈ HK$309,114/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,468
−HK$10,627/mo
▼ 0.25% · 3.875%
HK$174,739
−HK$5,356/mo
Today · 4.125%
HK$180,095
baseline
▲ 0.50% · 4.625%
HK$191,053
+HK$10,958/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$360,190/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,531
−HK$10,186/mo
▼ 0.25% · 3.875%
HK$193,587
−HK$5,130/mo
Today · 4.125%
HK$198,717
baseline
▲ 0.50% · 4.625%
HK$209,191
+HK$10,474/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$397,434/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,766 · Scale 2, in force from 26 Feb 2026)