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$94,452
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,390
−HK$2,985/mo
Today · 4.125%
HK$100,375
baseline
▲ 0.50% · 4.625%
HK$106,482
+HK$6,107/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,750/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,077
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,895
−HK$2,858/mo
Today · 4.125%
HK$110,753
baseline
▲ 0.50% · 4.625%
HK$116,591
+HK$5,838/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,506/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,342
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,868
−HK$3,582/mo
Today · 4.125%
HK$120,450
baseline
▲ 0.50% · 4.625%
HK$127,779
+HK$7,329/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$240,900/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,092
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,474
−HK$3,430/mo
Today · 4.125%
HK$132,904
baseline
▲ 0.50% · 4.625%
HK$139,910
+HK$7,006/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$265,808/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,232
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,345
−HK$4,179/mo
Today · 4.125%
HK$140,524
baseline
▲ 0.50% · 4.625%
HK$149,075
+HK$8,551/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,048/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,107
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,052
−HK$4,003/mo
Today · 4.125%
HK$155,055
baseline
▲ 0.50% · 4.625%
HK$163,228
+HK$8,173/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,110/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,013
−HK$10,661/mo
▼ 0.25% · 3.875%
HK$175,301
−HK$5,373/mo
Today · 4.125%
HK$180,674
baseline
▲ 0.50% · 4.625%
HK$191,668
+HK$10,994/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$361,348/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,138
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$194,210
−HK$5,146/mo
Today · 4.125%
HK$199,356
baseline
▲ 0.50% · 4.625%
HK$209,865
+HK$10,509/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$398,712/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,415 · Scale 2, in force from 26 Feb 2026)