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$94,287
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,219
−HK$2,980/mo
Today · 4.125%
HK$100,199
baseline
▲ 0.50% · 4.625%
HK$106,296
+HK$6,097/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,398/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,893
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,706
−HK$2,854/mo
Today · 4.125%
HK$110,560
baseline
▲ 0.50% · 4.625%
HK$116,388
+HK$5,828/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,120/mo (50% DSR)
Upfront cash ≈ HK$22.43M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,144
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,663
−HK$3,576/mo
Today · 4.125%
HK$120,239
baseline
▲ 0.50% · 4.625%
HK$127,555
+HK$7,316/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$240,478/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,871
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$129,247
−HK$3,425/mo
Today · 4.125%
HK$132,672
baseline
▲ 0.50% · 4.625%
HK$139,665
+HK$6,993/mo
Deposit HK$16.54M · loan HK$24.81M · min. income ≈ HK$265,344/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,001
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,107
−HK$4,172/mo
Today · 4.125%
HK$140,279
baseline
▲ 0.50% · 4.625%
HK$148,815
+HK$8,536/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$280,558/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,850
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,789
−HK$3,995/mo
Today · 4.125%
HK$154,784
baseline
▲ 0.50% · 4.625%
HK$162,943
+HK$8,159/mo
Deposit HK$12.40M · loan HK$28.94M · min. income ≈ HK$309,568/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,716
−HK$10,643/mo
▼ 0.25% · 3.875%
HK$174,995
−HK$5,364/mo
Today · 4.125%
HK$180,359
baseline
▲ 0.50% · 4.625%
HK$191,333
+HK$10,974/mo
Deposit HK$4.13M · loan HK$37.21M · min. income ≈ HK$360,718/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,807
−HK$10,201/mo
▼ 0.25% · 3.875%
HK$193,871
−HK$5,137/mo
Today · 4.125%
HK$199,008
baseline
▲ 0.50% · 4.625%
HK$209,498
+HK$10,490/mo
Deposit HK$4.13M · loan HK$37.21M · min. income ≈ HK$398,016/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,757,338 · Scale 2, in force from 26 Feb 2026)