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$94,190
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,120
−HK$2,976/mo
Today · 4.125%
HK$100,096
baseline
▲ 0.50% · 4.625%
HK$106,187
+HK$6,091/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,192/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,785
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,596
−HK$2,850/mo
Today · 4.125%
HK$110,446
baseline
▲ 0.50% · 4.625%
HK$116,268
+HK$5,822/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,892/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,028
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,544
−HK$3,572/mo
Today · 4.125%
HK$120,116
baseline
▲ 0.50% · 4.625%
HK$127,424
+HK$7,308/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,232/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,742
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,115
−HK$3,421/mo
Today · 4.125%
HK$132,536
baseline
▲ 0.50% · 4.625%
HK$139,522
+HK$6,986/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,072/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,866
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,968
−HK$4,167/mo
Today · 4.125%
HK$140,135
baseline
▲ 0.50% · 4.625%
HK$148,662
+HK$8,527/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,270/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,699
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$150,634
−HK$3,991/mo
Today · 4.125%
HK$154,625
baseline
▲ 0.50% · 4.625%
HK$162,776
+HK$8,151/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,250/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,542
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$174,815
−HK$5,358/mo
Today · 4.125%
HK$180,173
baseline
▲ 0.50% · 4.625%
HK$191,137
+HK$10,964/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$360,346/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,613
−HK$10,191/mo
▼ 0.25% · 3.875%
HK$193,672
−HK$5,132/mo
Today · 4.125%
HK$198,804
baseline
▲ 0.50% · 4.625%
HK$209,283
+HK$10,479/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$397,608/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,535 · Scale 2, in force from 26 Feb 2026)