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$94,434
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,371
−HK$2,985/mo
Today · 4.125%
HK$100,356
baseline
▲ 0.50% · 4.625%
HK$106,462
+HK$6,106/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,712/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,057
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,874
−HK$2,859/mo
Today · 4.125%
HK$110,733
baseline
▲ 0.50% · 4.625%
HK$116,569
+HK$5,836/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,466/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,321
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,846
−HK$3,581/mo
Today · 4.125%
HK$120,427
baseline
▲ 0.50% · 4.625%
HK$127,755
+HK$7,328/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$240,854/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,068
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,449
−HK$3,430/mo
Today · 4.125%
HK$132,879
baseline
▲ 0.50% · 4.625%
HK$139,883
+HK$7,004/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$265,758/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,207
−HK$8,291/mo
▼ 0.25% · 3.875%
HK$136,320
−HK$4,178/mo
Today · 4.125%
HK$140,498
baseline
▲ 0.50% · 4.625%
HK$149,047
+HK$8,549/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$280,996/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,079
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,024
−HK$4,002/mo
Today · 4.125%
HK$155,026
baseline
▲ 0.50% · 4.625%
HK$163,197
+HK$8,171/mo
Deposit HK$12.42M · loan HK$28.99M · min. income ≈ HK$310,052/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,981
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,268
−HK$5,372/mo
Today · 4.125%
HK$180,640
baseline
▲ 0.50% · 4.625%
HK$191,632
+HK$10,992/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$361,280/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,102
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$194,174
−HK$5,145/mo
Today · 4.125%
HK$199,319
baseline
▲ 0.50% · 4.625%
HK$209,825
+HK$10,506/mo
Deposit HK$4.14M · loan HK$37.27M · min. income ≈ HK$398,638/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,083 · Scale 2, in force from 26 Feb 2026)