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$94,209
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,140
−HK$2,977/mo
Today · 4.125%
HK$100,117
baseline
▲ 0.50% · 4.625%
HK$106,209
+HK$6,092/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$200,234/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,807
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,618
−HK$2,851/mo
Today · 4.125%
HK$110,469
baseline
▲ 0.50% · 4.625%
HK$116,292
+HK$5,823/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$220,938/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,051
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$116,568
−HK$3,572/mo
Today · 4.125%
HK$120,140
baseline
▲ 0.50% · 4.625%
HK$127,451
+HK$7,311/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$240,280/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,768
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,141
−HK$3,422/mo
Today · 4.125%
HK$132,563
baseline
▲ 0.50% · 4.625%
HK$139,551
+HK$6,988/mo
Deposit HK$16.53M · loan HK$24.79M · min. income ≈ HK$265,126/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,893
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$135,996
−HK$4,168/mo
Today · 4.125%
HK$140,164
baseline
▲ 0.50% · 4.625%
HK$148,693
+HK$8,529/mo
Deposit HK$12.39M · loan HK$28.92M · min. income ≈ HK$280,328/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,730
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,665
−HK$3,992/mo
Today · 4.125%
HK$154,657
baseline
▲ 0.50% · 4.625%
HK$162,809
+HK$8,152/mo
Deposit HK$12.39M · loan HK$28.92M · min. income ≈ HK$309,314/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,577
−HK$10,634/mo
▼ 0.25% · 3.875%
HK$174,852
−HK$5,359/mo
Today · 4.125%
HK$180,211
baseline
▲ 0.50% · 4.625%
HK$191,176
+HK$10,965/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$360,422/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,652
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$193,712
−HK$5,133/mo
Today · 4.125%
HK$198,845
baseline
▲ 0.50% · 4.625%
HK$209,326
+HK$10,481/mo
Deposit HK$4.13M · loan HK$37.18M · min. income ≈ HK$397,690/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,897 · Scale 2, in force from 26 Feb 2026)