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$94,491
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,430
−HK$2,986/mo
Today · 4.125%
HK$100,416
baseline
▲ 0.50% · 4.625%
HK$106,526
+HK$6,110/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,832/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,120
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,939
−HK$2,860/mo
Today · 4.125%
HK$110,799
baseline
▲ 0.50% · 4.625%
HK$116,640
+HK$5,841/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,598/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,389
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,916
−HK$3,583/mo
Today · 4.125%
HK$120,499
baseline
▲ 0.50% · 4.625%
HK$127,831
+HK$7,332/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$240,998/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,144
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,527
−HK$3,432/mo
Today · 4.125%
HK$132,959
baseline
▲ 0.50% · 4.625%
HK$139,967
+HK$7,008/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$265,918/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,287
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,402
−HK$4,180/mo
Today · 4.125%
HK$140,582
baseline
▲ 0.50% · 4.625%
HK$149,137
+HK$8,555/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,164/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,168
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,115
−HK$4,004/mo
Today · 4.125%
HK$155,119
baseline
▲ 0.50% · 4.625%
HK$163,295
+HK$8,176/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,238/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,083
−HK$10,666/mo
▼ 0.25% · 3.875%
HK$175,374
−HK$5,375/mo
Today · 4.125%
HK$180,749
baseline
▲ 0.50% · 4.625%
HK$191,747
+HK$10,998/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,498/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,216
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$194,290
−HK$5,149/mo
Today · 4.125%
HK$199,439
baseline
▲ 0.50% · 4.625%
HK$209,951
+HK$10,512/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,878/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,141 · Scale 2, in force from 26 Feb 2026)