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$94,386
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,322
−HK$2,983/mo
Today · 4.125%
HK$100,305
baseline
▲ 0.50% · 4.625%
HK$106,408
+HK$6,103/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,610/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,003
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,820
−HK$2,856/mo
Today · 4.125%
HK$110,676
baseline
▲ 0.50% · 4.625%
HK$116,510
+HK$5,834/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,352/mo (50% DSR)
Upfront cash ≈ HK$22.46M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,263
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,786
−HK$3,580/mo
Today · 4.125%
HK$120,366
baseline
▲ 0.50% · 4.625%
HK$127,690
+HK$7,324/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$240,732/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,004
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,384
−HK$3,428/mo
Today · 4.125%
HK$132,812
baseline
▲ 0.50% · 4.625%
HK$139,812
+HK$7,000/mo
Deposit HK$16.56M · loan HK$24.84M · min. income ≈ HK$265,624/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,140
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,251
−HK$4,176/mo
Today · 4.125%
HK$140,427
baseline
▲ 0.50% · 4.625%
HK$148,971
+HK$8,544/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$280,854/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,005
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,947
−HK$4,000/mo
Today · 4.125%
HK$154,947
baseline
▲ 0.50% · 4.625%
HK$163,115
+HK$8,168/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$309,894/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,895
−HK$10,654/mo
▼ 0.25% · 3.875%
HK$175,179
−HK$5,370/mo
Today · 4.125%
HK$180,549
baseline
▲ 0.50% · 4.625%
HK$191,535
+HK$10,986/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$361,098/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,006
−HK$10,212/mo
▼ 0.25% · 3.875%
HK$194,075
−HK$5,143/mo
Today · 4.125%
HK$199,218
baseline
▲ 0.50% · 4.625%
HK$209,719
+HK$10,501/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$398,436/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,191 · Scale 2, in force from 26 Feb 2026)