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$94,671
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,616
−HK$2,992/mo
Today · 4.125%
HK$100,608
baseline
▲ 0.50% · 4.625%
HK$106,730
+HK$6,122/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,216/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,321
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,146
−HK$2,865/mo
Today · 4.125%
HK$111,011
baseline
▲ 0.50% · 4.625%
HK$116,863
+HK$5,852/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$222,022/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,606
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,139
−HK$3,591/mo
Today · 4.125%
HK$120,730
baseline
▲ 0.50% · 4.625%
HK$128,076
+HK$7,346/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$241,460/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,385
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,775
−HK$3,438/mo
Today · 4.125%
HK$133,213
baseline
▲ 0.50% · 4.625%
HK$140,235
+HK$7,022/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$266,426/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,540
−HK$8,311/mo
▼ 0.25% · 3.875%
HK$136,663
−HK$4,188/mo
Today · 4.125%
HK$140,851
baseline
▲ 0.50% · 4.625%
HK$149,422
+HK$8,571/mo
Deposit HK$12.46M · loan HK$29.06M · min. income ≈ HK$281,702/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,449
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$151,404
−HK$4,012/mo
Today · 4.125%
HK$155,416
baseline
▲ 0.50% · 4.625%
HK$163,608
+HK$8,192/mo
Deposit HK$12.46M · loan HK$29.06M · min. income ≈ HK$310,832/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,408
−HK$10,687/mo
▼ 0.25% · 3.875%
HK$175,709
−HK$5,386/mo
Today · 4.125%
HK$181,095
baseline
▲ 0.50% · 4.625%
HK$192,114
+HK$11,019/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$362,190/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,578
−HK$10,242/mo
▼ 0.25% · 3.875%
HK$194,662
−HK$5,158/mo
Today · 4.125%
HK$199,820
baseline
▲ 0.50% · 4.625%
HK$210,353
+HK$10,533/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$399,640/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,509 · Scale 2, in force from 26 Feb 2026)