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$94,474
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,413
−HK$2,985/mo
Today · 4.125%
HK$100,398
baseline
▲ 0.50% · 4.625%
HK$106,507
+HK$6,109/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,796/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,101
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,920
−HK$2,860/mo
Today · 4.125%
HK$110,780
baseline
▲ 0.50% · 4.625%
HK$116,619
+HK$5,839/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,560/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,369
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,895
−HK$3,583/mo
Today · 4.125%
HK$120,478
baseline
▲ 0.50% · 4.625%
HK$127,809
+HK$7,331/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$240,956/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,122
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,504
−HK$3,432/mo
Today · 4.125%
HK$132,936
baseline
▲ 0.50% · 4.625%
HK$139,943
+HK$7,007/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$265,872/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,264
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,378
−HK$4,180/mo
Today · 4.125%
HK$140,558
baseline
▲ 0.50% · 4.625%
HK$149,110
+HK$8,552/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,116/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,142
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,088
−HK$4,004/mo
Today · 4.125%
HK$155,092
baseline
▲ 0.50% · 4.625%
HK$163,267
+HK$8,175/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,184/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,053
−HK$10,664/mo
▼ 0.25% · 3.875%
HK$175,343
−HK$5,374/mo
Today · 4.125%
HK$180,717
baseline
▲ 0.50% · 4.625%
HK$191,713
+HK$10,996/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,434/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,183
−HK$10,221/mo
▼ 0.25% · 3.875%
HK$194,256
−HK$5,148/mo
Today · 4.125%
HK$199,404
baseline
▲ 0.50% · 4.625%
HK$209,914
+HK$10,510/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,808/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,832 · Scale 2, in force from 26 Feb 2026)