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$94,659
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,604
−HK$2,991/mo
Today · 4.125%
HK$100,595
baseline
▲ 0.50% · 4.625%
HK$106,716
+HK$6,121/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,190/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,307
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,132
−HK$2,865/mo
Today · 4.125%
HK$110,997
baseline
▲ 0.50% · 4.625%
HK$116,848
+HK$5,851/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$221,994/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,591
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,124
−HK$3,590/mo
Today · 4.125%
HK$120,714
baseline
▲ 0.50% · 4.625%
HK$128,059
+HK$7,345/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$241,428/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,369
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,758
−HK$3,438/mo
Today · 4.125%
HK$133,196
baseline
▲ 0.50% · 4.625%
HK$140,217
+HK$7,021/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$266,392/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,523
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,645
−HK$4,188/mo
Today · 4.125%
HK$140,833
baseline
▲ 0.50% · 4.625%
HK$149,403
+HK$8,570/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$281,666/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,430
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$151,384
−HK$4,012/mo
Today · 4.125%
HK$155,396
baseline
▲ 0.50% · 4.625%
HK$163,587
+HK$8,191/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$310,792/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,387
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$175,687
−HK$5,384/mo
Today · 4.125%
HK$181,071
baseline
▲ 0.50% · 4.625%
HK$192,089
+HK$11,018/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$362,142/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,553
−HK$10,241/mo
▼ 0.25% · 3.875%
HK$194,637
−HK$5,157/mo
Today · 4.125%
HK$199,794
baseline
▲ 0.50% · 4.625%
HK$210,326
+HK$10,532/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$399,588/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,284 · Scale 2, in force from 26 Feb 2026)