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$94,104
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,031
−HK$2,974/mo
Today · 4.125%
HK$100,005
baseline
▲ 0.50% · 4.625%
HK$106,090
+HK$6,085/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$200,010/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,690
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,497
−HK$2,849/mo
Today · 4.125%
HK$110,346
baseline
▲ 0.50% · 4.625%
HK$116,162
+HK$5,816/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$220,692/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,925
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,437
−HK$3,569/mo
Today · 4.125%
HK$120,006
baseline
▲ 0.50% · 4.625%
HK$127,308
+HK$7,302/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$240,012/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,627
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$128,997
−HK$3,418/mo
Today · 4.125%
HK$132,415
baseline
▲ 0.50% · 4.625%
HK$139,394
+HK$6,979/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$264,830/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,745
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,843
−HK$4,164/mo
Today · 4.125%
HK$140,007
baseline
▲ 0.50% · 4.625%
HK$148,526
+HK$8,519/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$280,014/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,565
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,496
−HK$3,988/mo
Today · 4.125%
HK$154,484
baseline
▲ 0.50% · 4.625%
HK$162,627
+HK$8,143/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$308,968/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,387
−HK$10,622/mo
▼ 0.25% · 3.875%
HK$174,656
−HK$5,353/mo
Today · 4.125%
HK$180,009
baseline
▲ 0.50% · 4.625%
HK$190,962
+HK$10,953/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$360,018/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,441
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$193,495
−HK$5,127/mo
Today · 4.125%
HK$198,622
baseline
▲ 0.50% · 4.625%
HK$209,092
+HK$10,470/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$397,244/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,931 · Scale 2, in force from 26 Feb 2026)