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$94,793
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,742
−HK$2,996/mo
Today · 4.125%
HK$100,738
baseline
▲ 0.50% · 4.625%
HK$106,867
+HK$6,129/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$201,476/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,456
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,285
−HK$2,869/mo
Today · 4.125%
HK$111,154
baseline
▲ 0.50% · 4.625%
HK$117,013
+HK$5,859/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$222,308/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,752
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$117,290
−HK$3,595/mo
Today · 4.125%
HK$120,885
baseline
▲ 0.50% · 4.625%
HK$128,241
+HK$7,356/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$241,770/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,548
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,942
−HK$3,443/mo
Today · 4.125%
HK$133,385
baseline
▲ 0.50% · 4.625%
HK$140,416
+HK$7,031/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$266,770/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,710
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$136,839
−HK$4,194/mo
Today · 4.125%
HK$141,033
baseline
▲ 0.50% · 4.625%
HK$149,614
+HK$8,581/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$282,066/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,639
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$151,599
−HK$4,017/mo
Today · 4.125%
HK$155,616
baseline
▲ 0.50% · 4.625%
HK$163,818
+HK$8,202/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$311,232/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,628
−HK$10,700/mo
▼ 0.25% · 3.875%
HK$175,935
−HK$5,393/mo
Today · 4.125%
HK$181,328
baseline
▲ 0.50% · 4.625%
HK$192,361
+HK$11,033/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$362,656/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,822
−HK$10,255/mo
▼ 0.25% · 3.875%
HK$194,913
−HK$5,164/mo
Today · 4.125%
HK$200,077
baseline
▲ 0.50% · 4.625%
HK$210,624
+HK$10,547/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$400,154/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,780 · Scale 2, in force from 26 Feb 2026)