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$94,571
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,513
−HK$2,989/mo
Today · 4.125%
HK$100,502
baseline
▲ 0.50% · 4.625%
HK$106,617
+HK$6,115/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,004/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,210
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,031
−HK$2,863/mo
Today · 4.125%
HK$110,894
baseline
▲ 0.50% · 4.625%
HK$116,739
+HK$5,845/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,788/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,486
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,016
−HK$3,586/mo
Today · 4.125%
HK$120,602
baseline
▲ 0.50% · 4.625%
HK$127,941
+HK$7,339/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$241,204/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,252
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,638
−HK$3,435/mo
Today · 4.125%
HK$133,073
baseline
▲ 0.50% · 4.625%
HK$140,087
+HK$7,014/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$266,146/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,400
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$136,518
−HK$4,185/mo
Today · 4.125%
HK$140,703
baseline
▲ 0.50% · 4.625%
HK$149,264
+HK$8,561/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$281,406/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,294
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,244
−HK$4,008/mo
Today · 4.125%
HK$155,252
baseline
▲ 0.50% · 4.625%
HK$163,435
+HK$8,183/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$310,504/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,229
−HK$10,674/mo
▼ 0.25% · 3.875%
HK$175,524
−HK$5,379/mo
Today · 4.125%
HK$180,903
baseline
▲ 0.50% · 4.625%
HK$191,911
+HK$11,008/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$361,806/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,378
−HK$10,231/mo
▼ 0.25% · 3.875%
HK$194,457
−HK$5,152/mo
Today · 4.125%
HK$199,609
baseline
▲ 0.50% · 4.625%
HK$210,131
+HK$10,522/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$399,218/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,647 · Scale 2, in force from 26 Feb 2026)