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$94,489
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,428
−HK$2,986/mo
Today · 4.125%
HK$100,414
baseline
▲ 0.50% · 4.625%
HK$106,524
+HK$6,110/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,828/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,118
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,937
−HK$2,860/mo
Today · 4.125%
HK$110,797
baseline
▲ 0.50% · 4.625%
HK$116,637
+HK$5,840/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,594/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,386
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,913
−HK$3,584/mo
Today · 4.125%
HK$120,497
baseline
▲ 0.50% · 4.625%
HK$127,828
+HK$7,331/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$240,994/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,141
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,524
−HK$3,432/mo
Today · 4.125%
HK$132,956
baseline
▲ 0.50% · 4.625%
HK$139,964
+HK$7,008/mo
Deposit HK$16.58M · loan HK$24.86M · min. income ≈ HK$265,912/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,284
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,399
−HK$4,180/mo
Today · 4.125%
HK$140,579
baseline
▲ 0.50% · 4.625%
HK$149,133
+HK$8,554/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,158/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,165
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,111
−HK$4,004/mo
Today · 4.125%
HK$155,115
baseline
▲ 0.50% · 4.625%
HK$163,292
+HK$8,177/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,230/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,079
−HK$10,666/mo
▼ 0.25% · 3.875%
HK$175,370
−HK$5,375/mo
Today · 4.125%
HK$180,745
baseline
▲ 0.50% · 4.625%
HK$191,743
+HK$10,998/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,490/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,212
−HK$10,222/mo
▼ 0.25% · 3.875%
HK$194,286
−HK$5,148/mo
Today · 4.125%
HK$199,434
baseline
▲ 0.50% · 4.625%
HK$209,946
+HK$10,512/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,868/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,761,101 · Scale 2, in force from 26 Feb 2026)