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$94,495
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,434
−HK$2,986/mo
Today · 4.125%
HK$100,420
baseline
▲ 0.50% · 4.625%
HK$106,531
+HK$6,111/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,840/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,124
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,944
−HK$2,860/mo
Today · 4.125%
HK$110,804
baseline
▲ 0.50% · 4.625%
HK$116,644
+HK$5,840/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,608/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,394
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,921
−HK$3,583/mo
Today · 4.125%
HK$120,504
baseline
▲ 0.50% · 4.625%
HK$127,837
+HK$7,333/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$241,008/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,149
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$129,532
−HK$3,433/mo
Today · 4.125%
HK$132,965
baseline
▲ 0.50% · 4.625%
HK$139,973
+HK$7,008/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$265,930/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,292
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,407
−HK$4,181/mo
Today · 4.125%
HK$140,588
baseline
▲ 0.50% · 4.625%
HK$149,143
+HK$8,555/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,176/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,174
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,121
−HK$4,004/mo
Today · 4.125%
HK$155,125
baseline
▲ 0.50% · 4.625%
HK$163,302
+HK$8,177/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,250/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,090
−HK$10,666/mo
▼ 0.25% · 3.875%
HK$175,381
−HK$5,375/mo
Today · 4.125%
HK$180,756
baseline
▲ 0.50% · 4.625%
HK$191,755
+HK$10,999/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$361,512/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,224
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$194,299
−HK$5,148/mo
Today · 4.125%
HK$199,447
baseline
▲ 0.50% · 4.625%
HK$209,960
+HK$10,513/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$398,894/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,215 · Scale 2, in force from 26 Feb 2026)