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$94,891
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,842
−HK$2,999/mo
Today · 4.125%
HK$100,841
baseline
▲ 0.50% · 4.625%
HK$106,977
+HK$6,136/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$201,682/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,565
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,396
−HK$2,872/mo
Today · 4.125%
HK$111,268
baseline
▲ 0.50% · 4.625%
HK$117,133
+HK$5,865/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$222,536/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,869
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,411
−HK$3,598/mo
Today · 4.125%
HK$121,009
baseline
▲ 0.50% · 4.625%
HK$128,372
+HK$7,363/mo
Deposit HK$16.65M · loan HK$24.97M · min. income ≈ HK$242,018/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,678
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,075
−HK$3,447/mo
Today · 4.125%
HK$133,522
baseline
▲ 0.50% · 4.625%
HK$140,560
+HK$7,038/mo
Deposit HK$16.65M · loan HK$24.97M · min. income ≈ HK$267,044/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,847
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,979
−HK$4,198/mo
Today · 4.125%
HK$141,177
baseline
▲ 0.50% · 4.625%
HK$149,768
+HK$8,591/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$282,354/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,791
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,754
−HK$4,021/mo
Today · 4.125%
HK$155,775
baseline
▲ 0.50% · 4.625%
HK$163,987
+HK$8,212/mo
Deposit HK$12.48M · loan HK$29.13M · min. income ≈ HK$311,550/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,803
−HK$10,711/mo
▼ 0.25% · 3.875%
HK$176,116
−HK$5,398/mo
Today · 4.125%
HK$181,514
baseline
▲ 0.50% · 4.625%
HK$192,559
+HK$11,045/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$363,028/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,017
−HK$10,266/mo
▼ 0.25% · 3.875%
HK$195,113
−HK$5,170/mo
Today · 4.125%
HK$200,283
baseline
▲ 0.50% · 4.625%
HK$210,840
+HK$10,557/mo
Deposit HK$4.16M · loan HK$37.45M · min. income ≈ HK$400,566/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,595 · Scale 2, in force from 26 Feb 2026)