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$94,679
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,624
−HK$2,992/mo
Today · 4.125%
HK$100,616
baseline
▲ 0.50% · 4.625%
HK$106,738
+HK$6,122/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,232/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,329
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,154
−HK$2,866/mo
Today · 4.125%
HK$111,020
baseline
▲ 0.50% · 4.625%
HK$116,872
+HK$5,852/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$222,040/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,614
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,148
−HK$3,591/mo
Today · 4.125%
HK$120,739
baseline
▲ 0.50% · 4.625%
HK$128,086
+HK$7,347/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$241,478/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,395
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,785
−HK$3,439/mo
Today · 4.125%
HK$133,224
baseline
▲ 0.50% · 4.625%
HK$140,246
+HK$7,022/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$266,448/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,550
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$136,673
−HK$4,189/mo
Today · 4.125%
HK$140,862
baseline
▲ 0.50% · 4.625%
HK$149,433
+HK$8,571/mo
Deposit HK$12.46M · loan HK$29.06M · min. income ≈ HK$281,724/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,461
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$151,415
−HK$4,013/mo
Today · 4.125%
HK$155,428
baseline
▲ 0.50% · 4.625%
HK$163,620
+HK$8,192/mo
Deposit HK$12.46M · loan HK$29.06M · min. income ≈ HK$310,856/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,422
−HK$10,687/mo
▼ 0.25% · 3.875%
HK$175,723
−HK$5,386/mo
Today · 4.125%
HK$181,109
baseline
▲ 0.50% · 4.625%
HK$192,129
+HK$11,020/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$362,218/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,592
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$194,677
−HK$5,158/mo
Today · 4.125%
HK$199,835
baseline
▲ 0.50% · 4.625%
HK$210,369
+HK$10,534/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$399,670/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,645 · Scale 2, in force from 26 Feb 2026)