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$94,881
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,832
−HK$2,998/mo
Today · 4.125%
HK$100,830
baseline
▲ 0.50% · 4.625%
HK$106,966
+HK$6,136/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,660/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,554
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,385
−HK$2,871/mo
Today · 4.125%
HK$111,256
baseline
▲ 0.50% · 4.625%
HK$117,121
+HK$5,865/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,512/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,857
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,398
−HK$3,598/mo
Today · 4.125%
HK$120,996
baseline
▲ 0.50% · 4.625%
HK$128,359
+HK$7,363/mo
Deposit HK$16.64M · loan HK$24.97M · min. income ≈ HK$241,992/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,664
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,061
−HK$3,447/mo
Today · 4.125%
HK$133,508
baseline
▲ 0.50% · 4.625%
HK$140,545
+HK$7,037/mo
Deposit HK$16.64M · loan HK$24.97M · min. income ≈ HK$267,016/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,833
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,965
−HK$4,198/mo
Today · 4.125%
HK$141,163
baseline
▲ 0.50% · 4.625%
HK$149,752
+HK$8,589/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$282,326/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,775
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,738
−HK$4,021/mo
Today · 4.125%
HK$155,759
baseline
▲ 0.50% · 4.625%
HK$163,969
+HK$8,210/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$311,518/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,785
−HK$10,710/mo
▼ 0.25% · 3.875%
HK$176,097
−HK$5,398/mo
Today · 4.125%
HK$181,495
baseline
▲ 0.50% · 4.625%
HK$192,538
+HK$11,043/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$362,990/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,997
−HK$10,265/mo
▼ 0.25% · 3.875%
HK$195,092
−HK$5,170/mo
Today · 4.125%
HK$200,262
baseline
▲ 0.50% · 4.625%
HK$210,818
+HK$10,556/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$400,524/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,409 · Scale 2, in force from 26 Feb 2026)