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$94,426
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,364
−HK$2,984/mo
Today · 4.125%
HK$100,348
baseline
▲ 0.50% · 4.625%
HK$106,454
+HK$6,106/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,696/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,048
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,866
−HK$2,858/mo
Today · 4.125%
HK$110,724
baseline
▲ 0.50% · 4.625%
HK$116,560
+HK$5,836/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,448/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,312
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,836
−HK$3,581/mo
Today · 4.125%
HK$120,417
baseline
▲ 0.50% · 4.625%
HK$127,744
+HK$7,327/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$240,834/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,058
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,439
−HK$3,430/mo
Today · 4.125%
HK$132,869
baseline
▲ 0.50% · 4.625%
HK$139,872
+HK$7,003/mo
Deposit HK$16.56M · loan HK$24.85M · min. income ≈ HK$265,738/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,197
−HK$8,290/mo
▼ 0.25% · 3.875%
HK$136,309
−HK$4,178/mo
Today · 4.125%
HK$140,487
baseline
▲ 0.50% · 4.625%
HK$149,035
+HK$8,548/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$280,974/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,068
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$151,012
−HK$4,001/mo
Today · 4.125%
HK$155,013
baseline
▲ 0.50% · 4.625%
HK$163,184
+HK$8,171/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$310,026/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,967
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,254
−HK$5,372/mo
Today · 4.125%
HK$180,626
baseline
▲ 0.50% · 4.625%
HK$191,617
+HK$10,991/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$361,252/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,087
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$194,158
−HK$5,145/mo
Today · 4.125%
HK$199,303
baseline
▲ 0.50% · 4.625%
HK$209,808
+HK$10,505/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$398,606/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,943 · Scale 2, in force from 26 Feb 2026)