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$94,334
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,268
−HK$2,981/mo
Today · 4.125%
HK$100,249
baseline
▲ 0.50% · 4.625%
HK$106,349
+HK$6,100/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,498/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,945
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,760
−HK$2,855/mo
Today · 4.125%
HK$110,615
baseline
▲ 0.50% · 4.625%
HK$116,446
+HK$5,831/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,230/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,201
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,722
−HK$3,577/mo
Today · 4.125%
HK$120,299
baseline
▲ 0.50% · 4.625%
HK$127,619
+HK$7,320/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$240,598/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,934
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,312
−HK$3,426/mo
Today · 4.125%
HK$132,738
baseline
▲ 0.50% · 4.625%
HK$139,735
+HK$6,997/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$265,476/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,067
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$136,175
−HK$4,174/mo
Today · 4.125%
HK$140,349
baseline
▲ 0.50% · 4.625%
HK$148,889
+HK$8,540/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$280,698/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,924
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,864
−HK$3,997/mo
Today · 4.125%
HK$154,861
baseline
▲ 0.50% · 4.625%
HK$163,024
+HK$8,163/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$309,722/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,801
−HK$10,648/mo
▼ 0.25% · 3.875%
HK$175,083
−HK$5,366/mo
Today · 4.125%
HK$180,449
baseline
▲ 0.50% · 4.625%
HK$191,429
+HK$10,980/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$360,898/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,902
−HK$10,205/mo
▼ 0.25% · 3.875%
HK$193,968
−HK$5,139/mo
Today · 4.125%
HK$199,107
baseline
▲ 0.50% · 4.625%
HK$209,603
+HK$10,496/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$398,214/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,217 · Scale 2, in force from 26 Feb 2026)