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$94,363
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,298
−HK$2,982/mo
Today · 4.125%
HK$100,280
baseline
▲ 0.50% · 4.625%
HK$106,382
+HK$6,102/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$200,560/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,978
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,793
−HK$2,856/mo
Today · 4.125%
HK$110,649
baseline
▲ 0.50% · 4.625%
HK$116,482
+HK$5,833/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$221,298/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,235
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,758
−HK$3,578/mo
Today · 4.125%
HK$120,336
baseline
▲ 0.50% · 4.625%
HK$127,659
+HK$7,323/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$240,672/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,973
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,352
−HK$3,427/mo
Today · 4.125%
HK$132,779
baseline
▲ 0.50% · 4.625%
HK$139,778
+HK$6,999/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$265,558/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,108
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$136,217
−HK$4,175/mo
Today · 4.125%
HK$140,392
baseline
▲ 0.50% · 4.625%
HK$148,935
+HK$8,543/mo
Deposit HK$12.41M · loan HK$28.97M · min. income ≈ HK$280,784/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,969
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,910
−HK$3,999/mo
Today · 4.125%
HK$154,909
baseline
▲ 0.50% · 4.625%
HK$163,075
+HK$8,166/mo
Deposit HK$12.41M · loan HK$28.97M · min. income ≈ HK$309,818/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,853
−HK$10,651/mo
▼ 0.25% · 3.875%
HK$175,137
−HK$5,367/mo
Today · 4.125%
HK$180,504
baseline
▲ 0.50% · 4.625%
HK$191,488
+HK$10,984/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$361,008/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,960
−HK$10,209/mo
▼ 0.25% · 3.875%
HK$194,028
−HK$5,141/mo
Today · 4.125%
HK$199,169
baseline
▲ 0.50% · 4.625%
HK$209,667
+HK$10,498/mo
Deposit HK$4.14M · loan HK$37.24M · min. income ≈ HK$398,338/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,760 · Scale 2, in force from 26 Feb 2026)