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$94,300
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,233
−HK$2,980/mo
Today · 4.125%
HK$100,213
baseline
▲ 0.50% · 4.625%
HK$106,311
+HK$6,098/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$200,426/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,907
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,721
−HK$2,854/mo
Today · 4.125%
HK$110,575
baseline
▲ 0.50% · 4.625%
HK$116,404
+HK$5,829/mo
Deposit HK$20.68M · loan HK$20.68M · min. income ≈ HK$221,150/mo (50% DSR)
Upfront cash ≈ HK$22.44M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,160
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$116,680
−HK$3,576/mo
Today · 4.125%
HK$120,256
baseline
▲ 0.50% · 4.625%
HK$127,573
+HK$7,317/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$240,512/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,889
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$129,265
−HK$3,425/mo
Today · 4.125%
HK$132,690
baseline
▲ 0.50% · 4.625%
HK$139,685
+HK$6,995/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$265,380/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,020
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,126
−HK$4,172/mo
Today · 4.125%
HK$140,298
baseline
▲ 0.50% · 4.625%
HK$148,835
+HK$8,537/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$280,596/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,870
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,809
−HK$3,996/mo
Today · 4.125%
HK$154,805
baseline
▲ 0.50% · 4.625%
HK$162,965
+HK$8,160/mo
Deposit HK$12.41M · loan HK$28.95M · min. income ≈ HK$309,610/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,739
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$175,019
−HK$5,365/mo
Today · 4.125%
HK$180,384
baseline
▲ 0.50% · 4.625%
HK$191,360
+HK$10,976/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$360,768/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,833
−HK$10,203/mo
▼ 0.25% · 3.875%
HK$193,898
−HK$5,138/mo
Today · 4.125%
HK$199,036
baseline
▲ 0.50% · 4.625%
HK$209,527
+HK$10,491/mo
Deposit HK$4.14M · loan HK$37.22M · min. income ≈ HK$398,072/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,583 · Scale 2, in force from 26 Feb 2026)