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$94,691
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,636
−HK$2,993/mo
Today · 4.125%
HK$100,629
baseline
▲ 0.50% · 4.625%
HK$106,752
+HK$6,123/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,258/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,342
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,168
−HK$2,866/mo
Today · 4.125%
HK$111,034
baseline
▲ 0.50% · 4.625%
HK$116,886
+HK$5,852/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$222,068/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,629
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,163
−HK$3,591/mo
Today · 4.125%
HK$120,754
baseline
▲ 0.50% · 4.625%
HK$128,102
+HK$7,348/mo
Deposit HK$16.61M · loan HK$24.92M · min. income ≈ HK$241,508/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,411
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,801
−HK$3,439/mo
Today · 4.125%
HK$133,240
baseline
▲ 0.50% · 4.625%
HK$140,264
+HK$7,024/mo
Deposit HK$16.61M · loan HK$24.92M · min. income ≈ HK$266,480/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,567
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$136,690
−HK$4,190/mo
Today · 4.125%
HK$140,880
baseline
▲ 0.50% · 4.625%
HK$149,452
+HK$8,572/mo
Deposit HK$12.46M · loan HK$29.07M · min. income ≈ HK$281,760/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,479
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$151,435
−HK$4,012/mo
Today · 4.125%
HK$155,447
baseline
▲ 0.50% · 4.625%
HK$163,641
+HK$8,194/mo
Deposit HK$12.46M · loan HK$29.07M · min. income ≈ HK$310,894/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,443
−HK$10,688/mo
▼ 0.25% · 3.875%
HK$175,745
−HK$5,386/mo
Today · 4.125%
HK$181,131
baseline
▲ 0.50% · 4.625%
HK$192,153
+HK$11,022/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$362,262/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,616
−HK$10,245/mo
▼ 0.25% · 3.875%
HK$194,702
−HK$5,159/mo
Today · 4.125%
HK$199,861
baseline
▲ 0.50% · 4.625%
HK$210,396
+HK$10,535/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$399,722/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,868 · Scale 2, in force from 26 Feb 2026)