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$94,219
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,149
−HK$2,978/mo
Today · 4.125%
HK$100,127
baseline
▲ 0.50% · 4.625%
HK$106,219
+HK$6,092/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$200,254/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,817
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,628
−HK$2,852/mo
Today · 4.125%
HK$110,480
baseline
▲ 0.50% · 4.625%
HK$116,304
+HK$5,824/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$220,960/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,062
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,579
−HK$3,573/mo
Today · 4.125%
HK$120,152
baseline
▲ 0.50% · 4.625%
HK$127,463
+HK$7,311/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$240,304/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,781
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,154
−HK$3,422/mo
Today · 4.125%
HK$132,576
baseline
▲ 0.50% · 4.625%
HK$139,565
+HK$6,989/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$265,152/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,906
−HK$8,272/mo
▼ 0.25% · 3.875%
HK$136,009
−HK$4,169/mo
Today · 4.125%
HK$140,178
baseline
▲ 0.50% · 4.625%
HK$148,707
+HK$8,529/mo
Deposit HK$12.40M · loan HK$28.92M · min. income ≈ HK$280,356/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,744
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,680
−HK$3,992/mo
Today · 4.125%
HK$154,672
baseline
▲ 0.50% · 4.625%
HK$162,825
+HK$8,153/mo
Deposit HK$12.40M · loan HK$28.92M · min. income ≈ HK$309,344/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,594
−HK$10,635/mo
▼ 0.25% · 3.875%
HK$174,869
−HK$5,360/mo
Today · 4.125%
HK$180,229
baseline
▲ 0.50% · 4.625%
HK$191,195
+HK$10,966/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$360,458/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,671
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$193,731
−HK$5,133/mo
Today · 4.125%
HK$198,864
baseline
▲ 0.50% · 4.625%
HK$209,347
+HK$10,483/mo
Deposit HK$4.13M · loan HK$37.19M · min. income ≈ HK$397,728/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,072 · Scale 2, in force from 26 Feb 2026)