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$94,546
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,487
−HK$2,988/mo
Today · 4.125%
HK$100,475
baseline
▲ 0.50% · 4.625%
HK$106,588
+HK$6,113/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$200,950/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,181
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,002
−HK$2,862/mo
Today · 4.125%
HK$110,864
baseline
▲ 0.50% · 4.625%
HK$116,708
+HK$5,844/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$221,728/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,455
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,984
−HK$3,586/mo
Today · 4.125%
HK$120,570
baseline
▲ 0.50% · 4.625%
HK$127,906
+HK$7,336/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$241,140/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,218
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,603
−HK$3,434/mo
Today · 4.125%
HK$133,037
baseline
▲ 0.50% · 4.625%
HK$140,049
+HK$7,012/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$266,074/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,364
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,481
−HK$4,184/mo
Today · 4.125%
HK$140,665
baseline
▲ 0.50% · 4.625%
HK$149,224
+HK$8,559/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$281,330/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,254
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,203
−HK$4,007/mo
Today · 4.125%
HK$155,210
baseline
▲ 0.50% · 4.625%
HK$163,391
+HK$8,181/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$310,420/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,183
−HK$10,671/mo
▼ 0.25% · 3.875%
HK$175,476
−HK$5,378/mo
Today · 4.125%
HK$180,854
baseline
▲ 0.50% · 4.625%
HK$191,859
+HK$11,005/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$361,708/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,326
−HK$10,229/mo
▼ 0.25% · 3.875%
HK$194,404
−HK$5,151/mo
Today · 4.125%
HK$199,555
baseline
▲ 0.50% · 4.625%
HK$210,074
+HK$10,519/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$399,110/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,170 · Scale 2, in force from 26 Feb 2026)