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$94,324
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,258
−HK$2,981/mo
Today · 4.125%
HK$100,239
baseline
▲ 0.50% · 4.625%
HK$106,339
+HK$6,100/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,478/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,935
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,749
−HK$2,855/mo
Today · 4.125%
HK$110,604
baseline
▲ 0.50% · 4.625%
HK$116,434
+HK$5,830/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,208/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,189
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,710
−HK$3,577/mo
Today · 4.125%
HK$120,287
baseline
▲ 0.50% · 4.625%
HK$127,606
+HK$7,319/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$240,574/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,922
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,299
−HK$3,426/mo
Today · 4.125%
HK$132,725
baseline
▲ 0.50% · 4.625%
HK$139,721
+HK$6,996/mo
Deposit HK$16.55M · loan HK$24.82M · min. income ≈ HK$265,450/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,054
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,162
−HK$4,173/mo
Today · 4.125%
HK$140,335
baseline
▲ 0.50% · 4.625%
HK$148,874
+HK$8,539/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$280,670/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,909
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,849
−HK$3,997/mo
Today · 4.125%
HK$154,846
baseline
▲ 0.50% · 4.625%
HK$163,008
+HK$8,162/mo
Deposit HK$12.41M · loan HK$28.96M · min. income ≈ HK$309,692/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,784
−HK$10,647/mo
▼ 0.25% · 3.875%
HK$175,065
−HK$5,366/mo
Today · 4.125%
HK$180,431
baseline
▲ 0.50% · 4.625%
HK$191,410
+HK$10,979/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$360,862/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,883
−HK$10,205/mo
▼ 0.25% · 3.875%
HK$193,949
−HK$5,139/mo
Today · 4.125%
HK$199,088
baseline
▲ 0.50% · 4.625%
HK$209,582
+HK$10,494/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$398,176/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,758,042 · Scale 2, in force from 26 Feb 2026)