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$94,814
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,763
−HK$2,996/mo
Today · 4.125%
HK$100,759
baseline
▲ 0.50% · 4.625%
HK$106,890
+HK$6,131/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$201,518/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,479
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,308
−HK$2,870/mo
Today · 4.125%
HK$111,178
baseline
▲ 0.50% · 4.625%
HK$117,038
+HK$5,860/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$222,356/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,776
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,316
−HK$3,595/mo
Today · 4.125%
HK$120,911
baseline
▲ 0.50% · 4.625%
HK$128,268
+HK$7,357/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$241,822/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,575
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,970
−HK$3,444/mo
Today · 4.125%
HK$133,414
baseline
▲ 0.50% · 4.625%
HK$140,446
+HK$7,032/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$266,828/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,739
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$136,868
−HK$4,195/mo
Today · 4.125%
HK$141,063
baseline
▲ 0.50% · 4.625%
HK$149,647
+HK$8,584/mo
Deposit HK$12.47M · loan HK$29.11M · min. income ≈ HK$282,126/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,671
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,632
−HK$4,017/mo
Today · 4.125%
HK$155,649
baseline
▲ 0.50% · 4.625%
HK$163,854
+HK$8,205/mo
Deposit HK$12.47M · loan HK$29.11M · min. income ≈ HK$311,298/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,665
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$175,973
−HK$5,394/mo
Today · 4.125%
HK$181,367
baseline
▲ 0.50% · 4.625%
HK$192,403
+HK$11,036/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$362,734/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,863
−HK$10,258/mo
▼ 0.25% · 3.875%
HK$194,955
−HK$5,166/mo
Today · 4.125%
HK$200,121
baseline
▲ 0.50% · 4.625%
HK$210,669
+HK$10,548/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$400,242/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,767,163 · Scale 2, in force from 26 Feb 2026)