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$94,496
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,435
−HK$2,986/mo
Today · 4.125%
HK$100,421
baseline
▲ 0.50% · 4.625%
HK$106,532
+HK$6,111/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,842/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,126
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,945
−HK$2,860/mo
Today · 4.125%
HK$110,805
baseline
▲ 0.50% · 4.625%
HK$116,646
+HK$5,841/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,610/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,395
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,922
−HK$3,584/mo
Today · 4.125%
HK$120,506
baseline
▲ 0.50% · 4.625%
HK$127,838
+HK$7,332/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$241,012/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,151
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,534
−HK$3,432/mo
Today · 4.125%
HK$132,966
baseline
▲ 0.50% · 4.625%
HK$139,975
+HK$7,009/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$265,932/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,294
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,409
−HK$4,181/mo
Today · 4.125%
HK$140,590
baseline
▲ 0.50% · 4.625%
HK$149,145
+HK$8,555/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,180/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,176
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,123
−HK$4,004/mo
Today · 4.125%
HK$155,127
baseline
▲ 0.50% · 4.625%
HK$163,304
+HK$8,177/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,254/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,092
−HK$10,667/mo
▼ 0.25% · 3.875%
HK$175,383
−HK$5,376/mo
Today · 4.125%
HK$180,759
baseline
▲ 0.50% · 4.625%
HK$191,757
+HK$10,998/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$361,518/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,226
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$194,301
−HK$5,148/mo
Today · 4.125%
HK$199,449
baseline
▲ 0.50% · 4.625%
HK$209,962
+HK$10,513/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$398,898/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,236 · Scale 2, in force from 26 Feb 2026)