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$94,456
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,395
−HK$2,985/mo
Today · 4.125%
HK$100,380
baseline
▲ 0.50% · 4.625%
HK$106,488
+HK$6,108/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,760/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,082
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,900
−HK$2,859/mo
Today · 4.125%
HK$110,759
baseline
▲ 0.50% · 4.625%
HK$116,597
+HK$5,838/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,518/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,348
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,873
−HK$3,583/mo
Today · 4.125%
HK$120,456
baseline
▲ 0.50% · 4.625%
HK$127,785
+HK$7,329/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$240,912/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,098
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,480
−HK$3,431/mo
Today · 4.125%
HK$132,911
baseline
▲ 0.50% · 4.625%
HK$139,917
+HK$7,006/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$265,822/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,239
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,352
−HK$4,180/mo
Today · 4.125%
HK$140,532
baseline
▲ 0.50% · 4.625%
HK$149,083
+HK$8,551/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,064/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,115
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,060
−HK$4,003/mo
Today · 4.125%
HK$155,063
baseline
▲ 0.50% · 4.625%
HK$163,236
+HK$8,173/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,126/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,022
−HK$10,661/mo
▼ 0.25% · 3.875%
HK$175,310
−HK$5,373/mo
Today · 4.125%
HK$180,683
baseline
▲ 0.50% · 4.625%
HK$191,678
+HK$10,995/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$361,366/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,147
−HK$10,219/mo
▼ 0.25% · 3.875%
HK$194,220
−HK$5,146/mo
Today · 4.125%
HK$199,366
baseline
▲ 0.50% · 4.625%
HK$209,875
+HK$10,509/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$398,732/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,504 · Scale 2, in force from 26 Feb 2026)