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$94,590
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,532
−HK$2,990/mo
Today · 4.125%
HK$100,522
baseline
▲ 0.50% · 4.625%
HK$106,638
+HK$6,116/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,044/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,230
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,053
−HK$2,863/mo
Today · 4.125%
HK$110,916
baseline
▲ 0.50% · 4.625%
HK$116,762
+HK$5,846/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,832/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,508
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,039
−HK$3,587/mo
Today · 4.125%
HK$120,626
baseline
▲ 0.50% · 4.625%
HK$127,966
+HK$7,340/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$241,252/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,276
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,663
−HK$3,436/mo
Today · 4.125%
HK$133,099
baseline
▲ 0.50% · 4.625%
HK$140,115
+HK$7,016/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$266,198/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,426
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,545
−HK$4,185/mo
Today · 4.125%
HK$140,730
baseline
▲ 0.50% · 4.625%
HK$149,293
+HK$8,563/mo
Deposit HK$12.44M · loan HK$29.04M · min. income ≈ HK$281,460/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,322
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$151,274
−HK$4,008/mo
Today · 4.125%
HK$155,282
baseline
▲ 0.50% · 4.625%
HK$163,467
+HK$8,185/mo
Deposit HK$12.44M · loan HK$29.04M · min. income ≈ HK$310,564/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,262
−HK$10,677/mo
▼ 0.25% · 3.875%
HK$175,558
−HK$5,381/mo
Today · 4.125%
HK$180,939
baseline
▲ 0.50% · 4.625%
HK$191,948
+HK$11,009/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$361,878/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,415
−HK$10,233/mo
▼ 0.25% · 3.875%
HK$194,495
−HK$5,153/mo
Today · 4.125%
HK$199,648
baseline
▲ 0.50% · 4.625%
HK$210,172
+HK$10,524/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$399,296/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,991 · Scale 2, in force from 26 Feb 2026)