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$94,475
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,413
−HK$2,986/mo
Today · 4.125%
HK$100,399
baseline
▲ 0.50% · 4.625%
HK$106,508
+HK$6,109/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,798/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,760,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,102
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,921
−HK$2,859/mo
Today · 4.125%
HK$110,780
baseline
▲ 0.50% · 4.625%
HK$116,620
+HK$5,840/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$1,760,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,370
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,896
−HK$3,583/mo
Today · 4.125%
HK$120,479
baseline
▲ 0.50% · 4.625%
HK$127,810
+HK$7,331/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$240,958/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,122
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,505
−HK$3,431/mo
Today · 4.125%
HK$132,936
baseline
▲ 0.50% · 4.625%
HK$139,944
+HK$7,008/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$1,760,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,264
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,379
−HK$4,180/mo
Today · 4.125%
HK$140,559
baseline
▲ 0.50% · 4.625%
HK$149,111
+HK$8,552/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,118/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,143
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,089
−HK$4,004/mo
Today · 4.125%
HK$155,093
baseline
▲ 0.50% · 4.625%
HK$163,268
+HK$8,175/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,186/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,054
−HK$10,664/mo
▼ 0.25% · 3.875%
HK$175,344
−HK$5,374/mo
Today · 4.125%
HK$180,718
baseline
▲ 0.50% · 4.625%
HK$191,714
+HK$10,996/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,436/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,184
−HK$10,221/mo
▼ 0.25% · 3.875%
HK$194,258
−HK$5,147/mo
Today · 4.125%
HK$199,405
baseline
▲ 0.50% · 4.625%
HK$209,916
+HK$10,511/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,810/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,842 · Scale 2, in force from 26 Feb 2026)