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$94,223
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,154
−HK$2,978/mo
Today · 4.125%
HK$100,132
baseline
▲ 0.50% · 4.625%
HK$106,225
+HK$6,093/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$200,264/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,823
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,634
−HK$2,852/mo
Today · 4.125%
HK$110,486
baseline
▲ 0.50% · 4.625%
HK$116,310
+HK$5,824/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$220,972/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,068
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,585
−HK$3,574/mo
Today · 4.125%
HK$120,159
baseline
▲ 0.50% · 4.625%
HK$127,470
+HK$7,311/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$240,318/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,787
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,161
−HK$3,422/mo
Today · 4.125%
HK$132,583
baseline
▲ 0.50% · 4.625%
HK$139,572
+HK$6,989/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$265,166/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,913
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$136,016
−HK$4,169/mo
Today · 4.125%
HK$140,185
baseline
▲ 0.50% · 4.625%
HK$148,715
+HK$8,530/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$280,370/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,752
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,688
−HK$3,992/mo
Today · 4.125%
HK$154,680
baseline
▲ 0.50% · 4.625%
HK$162,834
+HK$8,154/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$309,360/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,602
−HK$10,636/mo
▼ 0.25% · 3.875%
HK$174,878
−HK$5,360/mo
Today · 4.125%
HK$180,238
baseline
▲ 0.50% · 4.625%
HK$191,205
+HK$10,967/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$360,476/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,681
−HK$10,194/mo
▼ 0.25% · 3.875%
HK$193,741
−HK$5,134/mo
Today · 4.125%
HK$198,875
baseline
▲ 0.50% · 4.625%
HK$209,358
+HK$10,483/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$397,750/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,162 · Scale 2, in force from 26 Feb 2026)