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$94,545
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,486
−HK$2,988/mo
Today · 4.125%
HK$100,474
baseline
▲ 0.50% · 4.625%
HK$106,588
+HK$6,114/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$200,948/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,180
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,001
−HK$2,862/mo
Today · 4.125%
HK$110,863
baseline
▲ 0.50% · 4.625%
HK$116,707
+HK$5,844/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$221,726/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,454
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,983
−HK$3,586/mo
Today · 4.125%
HK$120,569
baseline
▲ 0.50% · 4.625%
HK$127,905
+HK$7,336/mo
Deposit HK$16.58M · loan HK$24.88M · min. income ≈ HK$241,138/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,217
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,602
−HK$3,434/mo
Today · 4.125%
HK$133,036
baseline
▲ 0.50% · 4.625%
HK$140,048
+HK$7,012/mo
Deposit HK$16.58M · loan HK$24.88M · min. income ≈ HK$266,072/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,363
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,480
−HK$4,183/mo
Today · 4.125%
HK$140,663
baseline
▲ 0.50% · 4.625%
HK$149,223
+HK$8,560/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$281,326/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,253
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,202
−HK$4,006/mo
Today · 4.125%
HK$155,208
baseline
▲ 0.50% · 4.625%
HK$163,389
+HK$8,181/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$310,416/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,181
−HK$10,672/mo
▼ 0.25% · 3.875%
HK$175,475
−HK$5,378/mo
Today · 4.125%
HK$180,853
baseline
▲ 0.50% · 4.625%
HK$191,858
+HK$11,005/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$361,706/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,325
−HK$10,228/mo
▼ 0.25% · 3.875%
HK$194,402
−HK$5,151/mo
Today · 4.125%
HK$199,553
baseline
▲ 0.50% · 4.625%
HK$210,072
+HK$10,519/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$399,106/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,156 · Scale 2, in force from 26 Feb 2026)