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$94,317
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,251
−HK$2,981/mo
Today · 4.125%
HK$100,232
baseline
▲ 0.50% · 4.625%
HK$106,330
+HK$6,098/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,464/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,927
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,741
−HK$2,855/mo
Today · 4.125%
HK$110,596
baseline
▲ 0.50% · 4.625%
HK$116,425
+HK$5,829/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,192/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,180
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,701
−HK$3,577/mo
Today · 4.125%
HK$120,278
baseline
▲ 0.50% · 4.625%
HK$127,596
+HK$7,318/mo
Deposit HK$16.54M · loan HK$24.82M · min. income ≈ HK$240,556/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,912
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,289
−HK$3,426/mo
Today · 4.125%
HK$132,715
baseline
▲ 0.50% · 4.625%
HK$139,710
+HK$6,995/mo
Deposit HK$16.54M · loan HK$24.82M · min. income ≈ HK$265,430/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,044
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,151
−HK$4,173/mo
Today · 4.125%
HK$140,324
baseline
▲ 0.50% · 4.625%
HK$148,863
+HK$8,539/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$280,648/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,897
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,837
−HK$3,997/mo
Today · 4.125%
HK$154,834
baseline
▲ 0.50% · 4.625%
HK$162,995
+HK$8,161/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$309,668/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,771
−HK$10,646/mo
▼ 0.25% · 3.875%
HK$175,051
−HK$5,366/mo
Today · 4.125%
HK$180,417
baseline
▲ 0.50% · 4.625%
HK$191,395
+HK$10,978/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$360,834/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,868
−HK$10,204/mo
▼ 0.25% · 3.875%
HK$193,933
−HK$5,139/mo
Today · 4.125%
HK$199,072
baseline
▲ 0.50% · 4.625%
HK$209,565
+HK$10,493/mo
Deposit HK$4.14M · loan HK$37.23M · min. income ≈ HK$398,144/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,905 · Scale 2, in force from 26 Feb 2026)