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$94,420
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$97,357
−HK$2,984/mo
Today · 4.125%
HK$100,341
baseline
▲ 0.50% · 4.625%
HK$106,447
+HK$6,106/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,682/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,042
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$107,859
−HK$2,858/mo
Today · 4.125%
HK$110,717
baseline
▲ 0.50% · 4.625%
HK$116,553
+HK$5,836/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,434/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,304
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,829
−HK$3,580/mo
Today · 4.125%
HK$120,409
baseline
▲ 0.50% · 4.625%
HK$127,736
+HK$7,327/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$240,818/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,050
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,430
−HK$3,430/mo
Today · 4.125%
HK$132,860
baseline
▲ 0.50% · 4.625%
HK$139,863
+HK$7,003/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$265,720/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,188
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,300
−HK$4,178/mo
Today · 4.125%
HK$140,478
baseline
▲ 0.50% · 4.625%
HK$149,025
+HK$8,547/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$280,956/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,058
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$151,002
−HK$4,001/mo
Today · 4.125%
HK$155,003
baseline
▲ 0.50% · 4.625%
HK$163,174
+HK$8,171/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$310,006/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,956
−HK$10,658/mo
▼ 0.25% · 3.875%
HK$175,243
−HK$5,371/mo
Today · 4.125%
HK$180,614
baseline
▲ 0.50% · 4.625%
HK$191,604
+HK$10,990/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$361,228/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,075
−HK$10,215/mo
▼ 0.25% · 3.875%
HK$194,146
−HK$5,144/mo
Today · 4.125%
HK$199,290
baseline
▲ 0.50% · 4.625%
HK$209,795
+HK$10,505/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$398,580/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,829 · Scale 2, in force from 26 Feb 2026)