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$94,160
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,089
−HK$2,976/mo
Today · 4.125%
HK$100,065
baseline
▲ 0.50% · 4.625%
HK$106,154
+HK$6,089/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,130/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,752
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,562
−HK$2,850/mo
Today · 4.125%
HK$110,412
baseline
▲ 0.50% · 4.625%
HK$116,232
+HK$5,820/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,824/mo (50% DSR)
Upfront cash ≈ HK$22.40M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,992
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,507
−HK$3,571/mo
Today · 4.125%
HK$120,078
baseline
▲ 0.50% · 4.625%
HK$127,384
+HK$7,306/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,156/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,703
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,074
−HK$3,420/mo
Today · 4.125%
HK$132,494
baseline
▲ 0.50% · 4.625%
HK$139,478
+HK$6,984/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$264,988/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,824
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,925
−HK$4,166/mo
Today · 4.125%
HK$140,091
baseline
▲ 0.50% · 4.625%
HK$148,615
+HK$8,524/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,182/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,653
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,587
−HK$3,990/mo
Today · 4.125%
HK$154,577
baseline
▲ 0.50% · 4.625%
HK$162,725
+HK$8,148/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,154/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,489
−HK$10,628/mo
▼ 0.25% · 3.875%
HK$174,761
−HK$5,356/mo
Today · 4.125%
HK$180,117
baseline
▲ 0.50% · 4.625%
HK$191,077
+HK$10,960/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$360,234/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,554
−HK$10,187/mo
▼ 0.25% · 3.875%
HK$193,611
−HK$5,130/mo
Today · 4.125%
HK$198,741
baseline
▲ 0.50% · 4.625%
HK$209,217
+HK$10,476/mo
Deposit HK$4.13M · loan HK$37.16M · min. income ≈ HK$397,482/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,985 · Scale 2, in force from 26 Feb 2026)