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$94,281
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,214
−HK$2,979/mo
Today · 4.125%
HK$100,193
baseline
▲ 0.50% · 4.625%
HK$106,290
+HK$6,097/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,386/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,887
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,700
−HK$2,853/mo
Today · 4.125%
HK$110,553
baseline
▲ 0.50% · 4.625%
HK$116,381
+HK$5,828/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,106/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,137
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,656
−HK$3,576/mo
Today · 4.125%
HK$120,232
baseline
▲ 0.50% · 4.625%
HK$127,548
+HK$7,316/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$240,464/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,864
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,240
−HK$3,424/mo
Today · 4.125%
HK$132,664
baseline
▲ 0.50% · 4.625%
HK$139,657
+HK$6,993/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$265,328/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,993
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,099
−HK$4,172/mo
Today · 4.125%
HK$140,271
baseline
▲ 0.50% · 4.625%
HK$148,806
+HK$8,535/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$280,542/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,841
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,780
−HK$3,995/mo
Today · 4.125%
HK$154,775
baseline
▲ 0.50% · 4.625%
HK$162,933
+HK$8,158/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$309,550/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,706
−HK$10,642/mo
▼ 0.25% · 3.875%
HK$174,985
−HK$5,363/mo
Today · 4.125%
HK$180,348
baseline
▲ 0.50% · 4.625%
HK$191,322
+HK$10,974/mo
Deposit HK$4.13M · loan HK$37.21M · min. income ≈ HK$360,696/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,796
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$193,859
−HK$5,137/mo
Today · 4.125%
HK$198,996
baseline
▲ 0.50% · 4.625%
HK$209,485
+HK$10,489/mo
Deposit HK$4.13M · loan HK$37.21M · min. income ≈ HK$397,992/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,234 · Scale 2, in force from 26 Feb 2026)