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$94,918
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,871
−HK$3,000/mo
Today · 4.125%
HK$100,871
baseline
▲ 0.50% · 4.625%
HK$107,008
+HK$6,137/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$201,742/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,596
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,428
−HK$2,873/mo
Today · 4.125%
HK$111,301
baseline
▲ 0.50% · 4.625%
HK$117,168
+HK$5,867/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$222,602/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,902
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$117,445
−HK$3,600/mo
Today · 4.125%
HK$121,045
baseline
▲ 0.50% · 4.625%
HK$128,410
+HK$7,365/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$242,090/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,715
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,113
−HK$3,448/mo
Today · 4.125%
HK$133,561
baseline
▲ 0.50% · 4.625%
HK$140,601
+HK$7,040/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$267,122/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,886
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$137,019
−HK$4,200/mo
Today · 4.125%
HK$141,219
baseline
▲ 0.50% · 4.625%
HK$149,812
+HK$8,593/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$282,438/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,834
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$151,799
−HK$4,022/mo
Today · 4.125%
HK$155,821
baseline
▲ 0.50% · 4.625%
HK$164,035
+HK$8,214/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$311,642/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,853
−HK$10,714/mo
▼ 0.25% · 3.875%
HK$176,168
−HK$5,399/mo
Today · 4.125%
HK$181,567
baseline
▲ 0.50% · 4.625%
HK$192,615
+HK$11,048/mo
Deposit HK$4.16M · loan HK$37.46M · min. income ≈ HK$363,134/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,073
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$195,170
−HK$5,172/mo
Today · 4.125%
HK$200,342
baseline
▲ 0.50% · 4.625%
HK$210,902
+HK$10,560/mo
Deposit HK$4.16M · loan HK$37.46M · min. income ≈ HK$400,684/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,115 · Scale 2, in force from 26 Feb 2026)