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$94,189
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,119
−HK$2,977/mo
Today · 4.125%
HK$100,096
baseline
▲ 0.50% · 4.625%
HK$106,186
+HK$6,090/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,192/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,785
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,595
−HK$2,851/mo
Today · 4.125%
HK$110,446
baseline
▲ 0.50% · 4.625%
HK$116,267
+HK$5,821/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,892/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,027
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,543
−HK$3,572/mo
Today · 4.125%
HK$120,115
baseline
▲ 0.50% · 4.625%
HK$127,424
+HK$7,309/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,230/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,741
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,114
−HK$3,421/mo
Today · 4.125%
HK$132,535
baseline
▲ 0.50% · 4.625%
HK$139,521
+HK$6,986/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,070/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,865
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,967
−HK$4,167/mo
Today · 4.125%
HK$140,134
baseline
▲ 0.50% · 4.625%
HK$148,661
+HK$8,527/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,268/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,698
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$150,633
−HK$3,991/mo
Today · 4.125%
HK$154,624
baseline
▲ 0.50% · 4.625%
HK$162,774
+HK$8,150/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,248/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,541
−HK$10,631/mo
▼ 0.25% · 3.875%
HK$174,814
−HK$5,358/mo
Today · 4.125%
HK$180,172
baseline
▲ 0.50% · 4.625%
HK$191,135
+HK$10,963/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$360,344/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,612
−HK$10,190/mo
▼ 0.25% · 3.875%
HK$193,671
−HK$5,131/mo
Today · 4.125%
HK$198,802
baseline
▲ 0.50% · 4.625%
HK$209,281
+HK$10,479/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$397,604/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,522 · Scale 2, in force from 26 Feb 2026)