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$94,425
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,362
−HK$2,985/mo
Today · 4.125%
HK$100,347
baseline
▲ 0.50% · 4.625%
HK$106,452
+HK$6,105/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,694/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,047
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,864
−HK$2,859/mo
Today · 4.125%
HK$110,723
baseline
▲ 0.50% · 4.625%
HK$116,559
+HK$5,836/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,446/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,310
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,835
−HK$3,581/mo
Today · 4.125%
HK$120,416
baseline
▲ 0.50% · 4.625%
HK$127,743
+HK$7,327/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$240,832/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,057
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,437
−HK$3,430/mo
Today · 4.125%
HK$132,867
baseline
▲ 0.50% · 4.625%
HK$139,871
+HK$7,004/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$265,734/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,195
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,307
−HK$4,178/mo
Today · 4.125%
HK$140,485
baseline
▲ 0.50% · 4.625%
HK$149,033
+HK$8,548/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$280,970/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,066
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$151,010
−HK$4,002/mo
Today · 4.125%
HK$155,012
baseline
▲ 0.50% · 4.625%
HK$163,182
+HK$8,170/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$310,024/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,965
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,252
−HK$5,372/mo
Today · 4.125%
HK$180,624
baseline
▲ 0.50% · 4.625%
HK$191,614
+HK$10,990/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$361,248/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,085
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$194,156
−HK$5,145/mo
Today · 4.125%
HK$199,301
baseline
▲ 0.50% · 4.625%
HK$209,806
+HK$10,505/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$398,602/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,923 · Scale 2, in force from 26 Feb 2026)