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$94,593
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,536
−HK$2,989/mo
Today · 4.125%
HK$100,525
baseline
▲ 0.50% · 4.625%
HK$106,642
+HK$6,117/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,050/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,234
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,056
−HK$2,863/mo
Today · 4.125%
HK$110,919
baseline
▲ 0.50% · 4.625%
HK$116,766
+HK$5,847/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,838/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,512
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,043
−HK$3,587/mo
Today · 4.125%
HK$120,630
baseline
▲ 0.50% · 4.625%
HK$127,970
+HK$7,340/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$241,260/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,281
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,668
−HK$3,435/mo
Today · 4.125%
HK$133,103
baseline
▲ 0.50% · 4.625%
HK$140,119
+HK$7,016/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$266,206/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,430
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$136,550
−HK$4,185/mo
Today · 4.125%
HK$140,735
baseline
▲ 0.50% · 4.625%
HK$149,298
+HK$8,563/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$281,470/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,328
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$151,279
−HK$4,008/mo
Today · 4.125%
HK$155,287
baseline
▲ 0.50% · 4.625%
HK$163,473
+HK$8,186/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$310,574/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,268
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$175,564
−HK$5,381/mo
Today · 4.125%
HK$180,945
baseline
▲ 0.50% · 4.625%
HK$191,955
+HK$11,010/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$361,890/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,421
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$194,501
−HK$5,154/mo
Today · 4.125%
HK$199,655
baseline
▲ 0.50% · 4.625%
HK$210,179
+HK$10,524/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$399,310/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,052 · Scale 2, in force from 26 Feb 2026)