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$94,465
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,403
−HK$2,986/mo
Today · 4.125%
HK$100,389
baseline
▲ 0.50% · 4.625%
HK$106,497
+HK$6,108/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,778/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,091
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,910
−HK$2,859/mo
Today · 4.125%
HK$110,769
baseline
▲ 0.50% · 4.625%
HK$116,608
+HK$5,839/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,538/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,358
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,884
−HK$3,582/mo
Today · 4.125%
HK$120,466
baseline
▲ 0.50% · 4.625%
HK$127,796
+HK$7,330/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$240,932/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,109
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,492
−HK$3,431/mo
Today · 4.125%
HK$132,923
baseline
▲ 0.50% · 4.625%
HK$139,929
+HK$7,006/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$265,846/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,251
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,364
−HK$4,180/mo
Today · 4.125%
HK$140,544
baseline
▲ 0.50% · 4.625%
HK$149,096
+HK$8,552/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,088/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,128
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,073
−HK$4,003/mo
Today · 4.125%
HK$155,076
baseline
▲ 0.50% · 4.625%
HK$163,251
+HK$8,175/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,152/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,037
−HK$10,662/mo
▼ 0.25% · 3.875%
HK$175,326
−HK$5,373/mo
Today · 4.125%
HK$180,699
baseline
▲ 0.50% · 4.625%
HK$191,695
+HK$10,996/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$361,398/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,164
−HK$10,220/mo
▼ 0.25% · 3.875%
HK$194,237
−HK$5,147/mo
Today · 4.125%
HK$199,384
baseline
▲ 0.50% · 4.625%
HK$209,894
+HK$10,510/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$398,768/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,659 · Scale 2, in force from 26 Feb 2026)