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$94,641
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,585
−HK$2,991/mo
Today · 4.125%
HK$100,576
baseline
▲ 0.50% · 4.625%
HK$106,696
+HK$6,120/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,152/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,287
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,111
−HK$2,865/mo
Today · 4.125%
HK$110,976
baseline
▲ 0.50% · 4.625%
HK$116,825
+HK$5,849/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,952/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,569
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,102
−HK$3,589/mo
Today · 4.125%
HK$120,691
baseline
▲ 0.50% · 4.625%
HK$128,035
+HK$7,344/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$241,382/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,345
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,733
−HK$3,438/mo
Today · 4.125%
HK$133,171
baseline
▲ 0.50% · 4.625%
HK$140,190
+HK$7,019/mo
Deposit HK$16.60M · loan HK$24.90M · min. income ≈ HK$266,342/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,498
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$136,619
−HK$4,187/mo
Today · 4.125%
HK$140,806
baseline
▲ 0.50% · 4.625%
HK$149,374
+HK$8,568/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$281,612/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,402
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,355
−HK$4,011/mo
Today · 4.125%
HK$155,366
baseline
▲ 0.50% · 4.625%
HK$163,555
+HK$8,189/mo
Deposit HK$12.45M · loan HK$29.05M · min. income ≈ HK$310,732/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,354
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$175,653
−HK$5,384/mo
Today · 4.125%
HK$181,037
baseline
▲ 0.50% · 4.625%
HK$192,052
+HK$11,015/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$362,074/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,517
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$194,600
−HK$5,156/mo
Today · 4.125%
HK$199,756
baseline
▲ 0.50% · 4.625%
HK$210,286
+HK$10,530/mo
Deposit HK$4.15M · loan HK$37.35M · min. income ≈ HK$399,512/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,946 · Scale 2, in force from 26 Feb 2026)