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$94,545
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,486
−HK$2,988/mo
Today · 4.125%
HK$100,474
baseline
▲ 0.50% · 4.625%
HK$106,588
+HK$6,114/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$200,948/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,181
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$108,002
−HK$2,861/mo
Today · 4.125%
HK$110,863
baseline
▲ 0.50% · 4.625%
HK$116,707
+HK$5,844/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$221,726/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,455
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$116,984
−HK$3,585/mo
Today · 4.125%
HK$120,569
baseline
▲ 0.50% · 4.625%
HK$127,906
+HK$7,337/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$241,138/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,217
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,602
−HK$3,434/mo
Today · 4.125%
HK$133,036
baseline
▲ 0.50% · 4.625%
HK$140,049
+HK$7,013/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$266,072/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,364
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,481
−HK$4,183/mo
Today · 4.125%
HK$140,664
baseline
▲ 0.50% · 4.625%
HK$149,223
+HK$8,559/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$281,328/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,253
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,203
−HK$4,006/mo
Today · 4.125%
HK$155,209
baseline
▲ 0.50% · 4.625%
HK$163,390
+HK$8,181/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$310,418/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,182
−HK$10,672/mo
▼ 0.25% · 3.875%
HK$175,475
−HK$5,379/mo
Today · 4.125%
HK$180,854
baseline
▲ 0.50% · 4.625%
HK$191,858
+HK$11,004/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$361,708/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,326
−HK$10,228/mo
▼ 0.25% · 3.875%
HK$194,403
−HK$5,151/mo
Today · 4.125%
HK$199,554
baseline
▲ 0.50% · 4.625%
HK$210,073
+HK$10,519/mo
Deposit HK$4.15M · loan HK$37.32M · min. income ≈ HK$399,108/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,163 · Scale 2, in force from 26 Feb 2026)