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$94,597
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,539
−HK$2,990/mo
Today · 4.125%
HK$100,529
baseline
▲ 0.50% · 4.625%
HK$106,646
+HK$6,117/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,058/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,238
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,060
−HK$2,864/mo
Today · 4.125%
HK$110,924
baseline
▲ 0.50% · 4.625%
HK$116,771
+HK$5,847/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,848/mo (50% DSR)
Upfront cash ≈ HK$22.51M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,516
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,047
−HK$3,588/mo
Today · 4.125%
HK$120,635
baseline
▲ 0.50% · 4.625%
HK$127,975
+HK$7,340/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$241,270/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,286
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,673
−HK$3,435/mo
Today · 4.125%
HK$133,108
baseline
▲ 0.50% · 4.625%
HK$140,125
+HK$7,017/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$266,216/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,436
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,555
−HK$4,185/mo
Today · 4.125%
HK$140,740
baseline
▲ 0.50% · 4.625%
HK$149,304
+HK$8,564/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$281,480/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,333
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$151,285
−HK$4,008/mo
Today · 4.125%
HK$155,293
baseline
▲ 0.50% · 4.625%
HK$163,479
+HK$8,186/mo
Deposit HK$12.45M · loan HK$29.04M · min. income ≈ HK$310,586/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,274
−HK$10,678/mo
▼ 0.25% · 3.875%
HK$175,571
−HK$5,381/mo
Today · 4.125%
HK$180,952
baseline
▲ 0.50% · 4.625%
HK$191,962
+HK$11,010/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$361,904/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,428
−HK$10,235/mo
▼ 0.25% · 3.875%
HK$194,509
−HK$5,154/mo
Today · 4.125%
HK$199,663
baseline
▲ 0.50% · 4.625%
HK$210,187
+HK$10,524/mo
Deposit HK$4.15M · loan HK$37.34M · min. income ≈ HK$399,326/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,763,120 · Scale 2, in force from 26 Feb 2026)