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$94,747
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,695
−HK$2,994/mo
Today · 4.125%
HK$100,689
baseline
▲ 0.50% · 4.625%
HK$106,816
+HK$6,127/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$201,378/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,406
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,232
−HK$2,868/mo
Today · 4.125%
HK$111,100
baseline
▲ 0.50% · 4.625%
HK$116,957
+HK$5,857/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$222,200/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,697
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,234
−HK$3,593/mo
Today · 4.125%
HK$120,827
baseline
▲ 0.50% · 4.625%
HK$128,179
+HK$7,352/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$241,654/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,487
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,879
−HK$3,441/mo
Today · 4.125%
HK$133,320
baseline
▲ 0.50% · 4.625%
HK$140,348
+HK$7,028/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$266,640/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,646
−HK$8,318/mo
▼ 0.25% · 3.875%
HK$136,772
−HK$4,192/mo
Today · 4.125%
HK$140,964
baseline
▲ 0.50% · 4.625%
HK$149,542
+HK$8,578/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$281,928/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,568
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,525
−HK$4,015/mo
Today · 4.125%
HK$155,540
baseline
▲ 0.50% · 4.625%
HK$163,739
+HK$8,199/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$311,080/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,545
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$175,850
−HK$5,390/mo
Today · 4.125%
HK$181,240
baseline
▲ 0.50% · 4.625%
HK$192,268
+HK$11,028/mo
Deposit HK$4.16M · loan HK$37.40M · min. income ≈ HK$362,480/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,730
−HK$10,251/mo
▼ 0.25% · 3.875%
HK$194,818
−HK$5,163/mo
Today · 4.125%
HK$199,981
baseline
▲ 0.50% · 4.625%
HK$210,522
+HK$10,541/mo
Deposit HK$4.16M · loan HK$37.40M · min. income ≈ HK$399,962/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,927 · Scale 2, in force from 26 Feb 2026)