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$94,364
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,300
−HK$2,982/mo
Today · 4.125%
HK$100,282
baseline
▲ 0.50% · 4.625%
HK$106,384
+HK$6,102/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$200,564/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,979
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,795
−HK$2,856/mo
Today · 4.125%
HK$110,651
baseline
▲ 0.50% · 4.625%
HK$116,484
+HK$5,833/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$221,302/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,237
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,759
−HK$3,579/mo
Today · 4.125%
HK$120,338
baseline
▲ 0.50% · 4.625%
HK$127,660
+HK$7,322/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$240,676/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,975
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,354
−HK$3,427/mo
Today · 4.125%
HK$132,781
baseline
▲ 0.50% · 4.625%
HK$139,780
+HK$6,999/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$265,562/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,110
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$136,219
−HK$4,175/mo
Today · 4.125%
HK$140,394
baseline
▲ 0.50% · 4.625%
HK$148,937
+HK$8,543/mo
Deposit HK$12.41M · loan HK$28.97M · min. income ≈ HK$280,788/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,971
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,913
−HK$3,998/mo
Today · 4.125%
HK$154,911
baseline
▲ 0.50% · 4.625%
HK$163,077
+HK$8,166/mo
Deposit HK$12.41M · loan HK$28.97M · min. income ≈ HK$309,822/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,856
−HK$10,651/mo
▼ 0.25% · 3.875%
HK$175,139
−HK$5,368/mo
Today · 4.125%
HK$180,507
baseline
▲ 0.50% · 4.625%
HK$191,491
+HK$10,984/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$361,014/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,963
−HK$10,209/mo
▼ 0.25% · 3.875%
HK$194,031
−HK$5,141/mo
Today · 4.125%
HK$199,172
baseline
▲ 0.50% · 4.625%
HK$209,670
+HK$10,498/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$398,344/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,786 · Scale 2, in force from 26 Feb 2026)