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$94,655
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,600
−HK$2,991/mo
Today · 4.125%
HK$100,591
baseline
▲ 0.50% · 4.625%
HK$106,712
+HK$6,121/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,182/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,303
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,127
−HK$2,865/mo
Today · 4.125%
HK$110,992
baseline
▲ 0.50% · 4.625%
HK$116,843
+HK$5,851/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$221,984/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,586
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,120
−HK$3,589/mo
Today · 4.125%
HK$120,709
baseline
▲ 0.50% · 4.625%
HK$128,054
+HK$7,345/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$241,418/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,364
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,753
−HK$3,438/mo
Today · 4.125%
HK$133,191
baseline
▲ 0.50% · 4.625%
HK$140,211
+HK$7,020/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$266,382/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,517
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,639
−HK$4,188/mo
Today · 4.125%
HK$140,827
baseline
▲ 0.50% · 4.625%
HK$149,396
+HK$8,569/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$281,654/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,424
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,378
−HK$4,011/mo
Today · 4.125%
HK$155,389
baseline
▲ 0.50% · 4.625%
HK$163,580
+HK$8,191/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$310,778/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,380
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$175,679
−HK$5,385/mo
Today · 4.125%
HK$181,064
baseline
▲ 0.50% · 4.625%
HK$192,081
+HK$11,017/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$362,128/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,546
−HK$10,240/mo
▼ 0.25% · 3.875%
HK$194,629
−HK$5,157/mo
Today · 4.125%
HK$199,786
baseline
▲ 0.50% · 4.625%
HK$210,317
+HK$10,531/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$399,572/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,210 · Scale 2, in force from 26 Feb 2026)