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$94,738
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,685
−HK$2,994/mo
Today · 4.125%
HK$100,679
baseline
▲ 0.50% · 4.625%
HK$106,805
+HK$6,126/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$201,358/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,396
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,222
−HK$2,868/mo
Today · 4.125%
HK$111,090
baseline
▲ 0.50% · 4.625%
HK$116,945
+HK$5,855/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$222,180/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,686
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,222
−HK$3,593/mo
Today · 4.125%
HK$120,815
baseline
▲ 0.50% · 4.625%
HK$128,167
+HK$7,352/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$241,630/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,475
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,867
−HK$3,441/mo
Today · 4.125%
HK$133,308
baseline
▲ 0.50% · 4.625%
HK$140,335
+HK$7,027/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$266,616/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,634
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,759
−HK$4,192/mo
Today · 4.125%
HK$140,951
baseline
▲ 0.50% · 4.625%
HK$149,528
+HK$8,577/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$281,902/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,554
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,511
−HK$4,015/mo
Today · 4.125%
HK$155,526
baseline
▲ 0.50% · 4.625%
HK$163,724
+HK$8,198/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$311,052/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,529
−HK$10,694/mo
▼ 0.25% · 3.875%
HK$175,834
−HK$5,389/mo
Today · 4.125%
HK$181,223
baseline
▲ 0.50% · 4.625%
HK$192,250
+HK$11,027/mo
Deposit HK$4.15M · loan HK$37.39M · min. income ≈ HK$362,446/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,712
−HK$10,250/mo
▼ 0.25% · 3.875%
HK$194,800
−HK$5,162/mo
Today · 4.125%
HK$199,962
baseline
▲ 0.50% · 4.625%
HK$210,502
+HK$10,540/mo
Deposit HK$4.15M · loan HK$37.39M · min. income ≈ HK$399,924/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,760 · Scale 2, in force from 26 Feb 2026)