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$94,307
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,240
−HK$2,980/mo
Today · 4.125%
HK$100,220
baseline
▲ 0.50% · 4.625%
HK$106,319
+HK$6,099/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,440/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,915
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,729
−HK$2,854/mo
Today · 4.125%
HK$110,583
baseline
▲ 0.50% · 4.625%
HK$116,412
+HK$5,829/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,166/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,168
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,688
−HK$3,577/mo
Today · 4.125%
HK$120,265
baseline
▲ 0.50% · 4.625%
HK$127,582
+HK$7,317/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$240,530/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,898
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,275
−HK$3,425/mo
Today · 4.125%
HK$132,700
baseline
▲ 0.50% · 4.625%
HK$139,695
+HK$6,995/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$265,400/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,029
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,136
−HK$4,173/mo
Today · 4.125%
HK$140,309
baseline
▲ 0.50% · 4.625%
HK$148,846
+HK$8,537/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$280,618/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,881
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,820
−HK$3,997/mo
Today · 4.125%
HK$154,817
baseline
▲ 0.50% · 4.625%
HK$162,977
+HK$8,160/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$309,634/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,752
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$175,032
−HK$5,365/mo
Today · 4.125%
HK$180,397
baseline
▲ 0.50% · 4.625%
HK$191,374
+HK$10,977/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$360,794/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,847
−HK$10,203/mo
▼ 0.25% · 3.875%
HK$193,912
−HK$5,138/mo
Today · 4.125%
HK$199,050
baseline
▲ 0.50% · 4.625%
HK$209,542
+HK$10,492/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$398,100/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,711 · Scale 2, in force from 26 Feb 2026)