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$94,111
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,039
−HK$2,974/mo
Today · 4.125%
HK$100,013
baseline
▲ 0.50% · 4.625%
HK$106,098
+HK$6,085/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,026/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,698
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,506
−HK$2,848/mo
Today · 4.125%
HK$110,354
baseline
▲ 0.50% · 4.625%
HK$116,171
+HK$5,817/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,708/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,933
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,446
−HK$3,569/mo
Today · 4.125%
HK$120,015
baseline
▲ 0.50% · 4.625%
HK$127,318
+HK$7,303/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$240,030/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,637
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$129,007
−HK$3,418/mo
Today · 4.125%
HK$132,425
baseline
▲ 0.50% · 4.625%
HK$139,405
+HK$6,980/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$264,850/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,756
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,854
−HK$4,164/mo
Today · 4.125%
HK$140,018
baseline
▲ 0.50% · 4.625%
HK$148,538
+HK$8,520/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$280,036/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,577
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,508
−HK$3,988/mo
Today · 4.125%
HK$154,496
baseline
▲ 0.50% · 4.625%
HK$162,640
+HK$8,144/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$308,992/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,400
−HK$10,623/mo
▼ 0.25% · 3.875%
HK$174,669
−HK$5,354/mo
Today · 4.125%
HK$180,023
baseline
▲ 0.50% · 4.625%
HK$190,977
+HK$10,954/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$360,046/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,456
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$193,510
−HK$5,128/mo
Today · 4.125%
HK$198,638
baseline
▲ 0.50% · 4.625%
HK$209,108
+HK$10,470/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$397,276/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,069 · Scale 2, in force from 26 Feb 2026)