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$94,517
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,458
−HK$2,987/mo
Today · 4.125%
HK$100,445
baseline
▲ 0.50% · 4.625%
HK$106,556
+HK$6,111/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$200,890/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,150
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,970
−HK$2,861/mo
Today · 4.125%
HK$110,831
baseline
▲ 0.50% · 4.625%
HK$116,673
+HK$5,842/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$221,662/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,421
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,949
−HK$3,584/mo
Today · 4.125%
HK$120,533
baseline
▲ 0.50% · 4.625%
HK$127,868
+HK$7,335/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$241,066/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,180
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,564
−HK$3,433/mo
Today · 4.125%
HK$132,997
baseline
▲ 0.50% · 4.625%
HK$140,007
+HK$7,010/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$265,994/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,324
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,441
−HK$4,181/mo
Today · 4.125%
HK$140,622
baseline
▲ 0.50% · 4.625%
HK$149,179
+HK$8,557/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$281,244/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,210
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,158
−HK$4,005/mo
Today · 4.125%
HK$155,163
baseline
▲ 0.50% · 4.625%
HK$163,342
+HK$8,179/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$310,326/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,131
−HK$10,669/mo
▼ 0.25% · 3.875%
HK$175,424
−HK$5,376/mo
Today · 4.125%
HK$180,800
baseline
▲ 0.50% · 4.625%
HK$191,801
+HK$11,001/mo
Deposit HK$4.15M · loan HK$37.31M · min. income ≈ HK$361,600/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,270
−HK$10,225/mo
▼ 0.25% · 3.875%
HK$194,346
−HK$5,149/mo
Today · 4.125%
HK$199,495
baseline
▲ 0.50% · 4.625%
HK$210,011
+HK$10,516/mo
Deposit HK$4.15M · loan HK$37.31M · min. income ≈ HK$398,990/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,642 · Scale 2, in force from 26 Feb 2026)