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$94,493
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,433
−HK$2,986/mo
Today · 4.125%
HK$100,419
baseline
▲ 0.50% · 4.625%
HK$106,529
+HK$6,110/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,838/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,123
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,942
−HK$2,860/mo
Today · 4.125%
HK$110,802
baseline
▲ 0.50% · 4.625%
HK$116,643
+HK$5,841/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,604/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,392
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,919
−HK$3,584/mo
Today · 4.125%
HK$120,503
baseline
▲ 0.50% · 4.625%
HK$127,835
+HK$7,332/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$241,006/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,148
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,531
−HK$3,432/mo
Today · 4.125%
HK$132,963
baseline
▲ 0.50% · 4.625%
HK$139,972
+HK$7,009/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$265,926/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,291
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,406
−HK$4,181/mo
Today · 4.125%
HK$140,587
baseline
▲ 0.50% · 4.625%
HK$149,141
+HK$8,554/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,174/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,172
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,119
−HK$4,004/mo
Today · 4.125%
HK$155,123
baseline
▲ 0.50% · 4.625%
HK$163,300
+HK$8,177/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,246/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,088
−HK$10,666/mo
▼ 0.25% · 3.875%
HK$175,379
−HK$5,375/mo
Today · 4.125%
HK$180,754
baseline
▲ 0.50% · 4.625%
HK$191,753
+HK$10,999/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$361,508/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,221
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$194,296
−HK$5,148/mo
Today · 4.125%
HK$199,444
baseline
▲ 0.50% · 4.625%
HK$209,957
+HK$10,513/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$398,888/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,193 · Scale 2, in force from 26 Feb 2026)