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$94,743
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,690
−HK$2,994/mo
Today · 4.125%
HK$100,684
baseline
▲ 0.50% · 4.625%
HK$106,811
+HK$6,127/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$201,368/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,401
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,227
−HK$2,868/mo
Today · 4.125%
HK$111,095
baseline
▲ 0.50% · 4.625%
HK$116,951
+HK$5,856/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$222,190/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,692
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,228
−HK$3,593/mo
Today · 4.125%
HK$120,821
baseline
▲ 0.50% · 4.625%
HK$128,173
+HK$7,352/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$241,642/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,481
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,873
−HK$3,441/mo
Today · 4.125%
HK$133,314
baseline
▲ 0.50% · 4.625%
HK$140,341
+HK$7,027/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$266,628/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,640
−HK$8,318/mo
▼ 0.25% · 3.875%
HK$136,766
−HK$4,192/mo
Today · 4.125%
HK$140,958
baseline
▲ 0.50% · 4.625%
HK$149,535
+HK$8,577/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$281,916/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,561
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,518
−HK$4,015/mo
Today · 4.125%
HK$155,533
baseline
▲ 0.50% · 4.625%
HK$163,732
+HK$8,199/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$311,066/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,538
−HK$10,694/mo
▼ 0.25% · 3.875%
HK$175,842
−HK$5,390/mo
Today · 4.125%
HK$181,232
baseline
▲ 0.50% · 4.625%
HK$192,259
+HK$11,027/mo
Deposit HK$4.15M · loan HK$37.39M · min. income ≈ HK$362,464/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,721
−HK$10,250/mo
▼ 0.25% · 3.875%
HK$194,809
−HK$5,162/mo
Today · 4.125%
HK$199,971
baseline
▲ 0.50% · 4.625%
HK$210,512
+HK$10,541/mo
Deposit HK$4.15M · loan HK$37.39M · min. income ≈ HK$399,942/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,846 · Scale 2, in force from 26 Feb 2026)