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$94,099
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,026
−HK$2,974/mo
Today · 4.125%
HK$100,000
baseline
▲ 0.50% · 4.625%
HK$106,085
+HK$6,085/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$200,000/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,684
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,492
−HK$2,848/mo
Today · 4.125%
HK$110,340
baseline
▲ 0.50% · 4.625%
HK$116,156
+HK$5,816/mo
Deposit HK$20.63M · loan HK$20.63M · min. income ≈ HK$220,680/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,919
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,431
−HK$3,569/mo
Today · 4.125%
HK$120,000
baseline
▲ 0.50% · 4.625%
HK$127,302
+HK$7,302/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$240,000/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,621
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$128,990
−HK$3,418/mo
Today · 4.125%
HK$132,408
baseline
▲ 0.50% · 4.625%
HK$139,388
+HK$6,980/mo
Deposit HK$16.51M · loan HK$24.76M · min. income ≈ HK$264,816/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,739
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$135,837
−HK$4,163/mo
Today · 4.125%
HK$140,000
baseline
▲ 0.50% · 4.625%
HK$148,519
+HK$8,519/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$280,000/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,558
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,489
−HK$3,987/mo
Today · 4.125%
HK$154,476
baseline
▲ 0.50% · 4.625%
HK$162,619
+HK$8,143/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$308,952/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,379
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$174,647
−HK$5,353/mo
Today · 4.125%
HK$180,000
baseline
▲ 0.50% · 4.625%
HK$190,953
+HK$10,953/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$360,000/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,432
−HK$10,180/mo
▼ 0.25% · 3.875%
HK$193,486
−HK$5,126/mo
Today · 4.125%
HK$198,612
baseline
▲ 0.50% · 4.625%
HK$209,081
+HK$10,469/mo
Deposit HK$4.13M · loan HK$37.14M · min. income ≈ HK$397,224/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,753,845 · Scale 2, in force from 26 Feb 2026)