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$94,878
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,830
−HK$2,998/mo
Today · 4.125%
HK$100,828
baseline
▲ 0.50% · 4.625%
HK$106,963
+HK$6,135/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,656/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,551
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,382
−HK$2,872/mo
Today · 4.125%
HK$111,254
baseline
▲ 0.50% · 4.625%
HK$117,118
+HK$5,864/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,508/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,854
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,395
−HK$3,599/mo
Today · 4.125%
HK$120,994
baseline
▲ 0.50% · 4.625%
HK$128,356
+HK$7,362/mo
Deposit HK$16.64M · loan HK$24.97M · min. income ≈ HK$241,988/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,661
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,058
−HK$3,446/mo
Today · 4.125%
HK$133,504
baseline
▲ 0.50% · 4.625%
HK$140,542
+HK$7,038/mo
Deposit HK$16.64M · loan HK$24.97M · min. income ≈ HK$267,008/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,830
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$136,961
−HK$4,198/mo
Today · 4.125%
HK$141,159
baseline
▲ 0.50% · 4.625%
HK$149,748
+HK$8,589/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$282,318/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,772
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,735
−HK$4,020/mo
Today · 4.125%
HK$155,755
baseline
▲ 0.50% · 4.625%
HK$163,965
+HK$8,210/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$311,510/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,781
−HK$10,709/mo
▼ 0.25% · 3.875%
HK$176,093
−HK$5,397/mo
Today · 4.125%
HK$181,490
baseline
▲ 0.50% · 4.625%
HK$192,534
+HK$11,044/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$362,980/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,992
−HK$10,265/mo
▼ 0.25% · 3.875%
HK$195,088
−HK$5,169/mo
Today · 4.125%
HK$200,257
baseline
▲ 0.50% · 4.625%
HK$210,813
+HK$10,556/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$400,514/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,366 · Scale 2, in force from 26 Feb 2026)