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$94,469
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,408
−HK$2,985/mo
Today · 4.125%
HK$100,393
baseline
▲ 0.50% · 4.625%
HK$106,502
+HK$6,109/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,786/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,096
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,915
−HK$2,859/mo
Today · 4.125%
HK$110,774
baseline
▲ 0.50% · 4.625%
HK$116,613
+HK$5,839/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,548/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,363
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,889
−HK$3,583/mo
Today · 4.125%
HK$120,472
baseline
▲ 0.50% · 4.625%
HK$127,802
+HK$7,330/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$240,944/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,115
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,498
−HK$3,431/mo
Today · 4.125%
HK$132,929
baseline
▲ 0.50% · 4.625%
HK$139,936
+HK$7,007/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$265,858/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,257
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,371
−HK$4,180/mo
Today · 4.125%
HK$140,551
baseline
▲ 0.50% · 4.625%
HK$149,103
+HK$8,552/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,102/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,135
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,081
−HK$4,003/mo
Today · 4.125%
HK$155,084
baseline
▲ 0.50% · 4.625%
HK$163,258
+HK$8,174/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,168/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,045
−HK$10,663/mo
▼ 0.25% · 3.875%
HK$175,334
−HK$5,374/mo
Today · 4.125%
HK$180,708
baseline
▲ 0.50% · 4.625%
HK$191,704
+HK$10,996/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,416/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,173
−HK$10,220/mo
▼ 0.25% · 3.875%
HK$194,247
−HK$5,146/mo
Today · 4.125%
HK$199,393
baseline
▲ 0.50% · 4.625%
HK$209,904
+HK$10,511/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,786/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,743 · Scale 2, in force from 26 Feb 2026)