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$94,724
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,670
−HK$2,994/mo
Today · 4.125%
HK$100,664
baseline
▲ 0.50% · 4.625%
HK$106,789
+HK$6,125/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$201,328/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,379
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,206
−HK$2,867/mo
Today · 4.125%
HK$111,073
baseline
▲ 0.50% · 4.625%
HK$116,928
+HK$5,855/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$222,146/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,669
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$117,204
−HK$3,593/mo
Today · 4.125%
HK$120,797
baseline
▲ 0.50% · 4.625%
HK$128,147
+HK$7,350/mo
Deposit HK$16.62M · loan HK$24.92M · min. income ≈ HK$241,594/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,455
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,847
−HK$3,440/mo
Today · 4.125%
HK$133,287
baseline
▲ 0.50% · 4.625%
HK$140,313
+HK$7,026/mo
Deposit HK$16.62M · loan HK$24.92M · min. income ≈ HK$266,574/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,614
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,739
−HK$4,191/mo
Today · 4.125%
HK$140,930
baseline
▲ 0.50% · 4.625%
HK$149,505
+HK$8,575/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$281,860/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,531
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,488
−HK$4,014/mo
Today · 4.125%
HK$155,502
baseline
▲ 0.50% · 4.625%
HK$163,699
+HK$8,197/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$311,004/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,503
−HK$10,692/mo
▼ 0.25% · 3.875%
HK$175,807
−HK$5,388/mo
Today · 4.125%
HK$181,195
baseline
▲ 0.50% · 4.625%
HK$192,220
+HK$11,025/mo
Deposit HK$4.15M · loan HK$37.39M · min. income ≈ HK$362,390/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,683
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$194,770
−HK$5,161/mo
Today · 4.125%
HK$199,931
baseline
▲ 0.50% · 4.625%
HK$210,470
+HK$10,539/mo
Deposit HK$4.15M · loan HK$37.39M · min. income ≈ HK$399,862/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,489 · Scale 2, in force from 26 Feb 2026)