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$94,509
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,448
−HK$2,987/mo
Today · 4.125%
HK$100,435
baseline
▲ 0.50% · 4.625%
HK$106,546
+HK$6,111/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,870/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,140
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,960
−HK$2,860/mo
Today · 4.125%
HK$110,820
baseline
▲ 0.50% · 4.625%
HK$116,662
+HK$5,842/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,640/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,410
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,938
−HK$3,584/mo
Today · 4.125%
HK$120,522
baseline
▲ 0.50% · 4.625%
HK$127,856
+HK$7,334/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$241,044/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,168
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$129,552
−HK$3,432/mo
Today · 4.125%
HK$132,984
baseline
▲ 0.50% · 4.625%
HK$139,994
+HK$7,010/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$265,968/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,312
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$136,428
−HK$4,181/mo
Today · 4.125%
HK$140,609
baseline
▲ 0.50% · 4.625%
HK$149,165
+HK$8,556/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,218/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,196
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,143
−HK$4,005/mo
Today · 4.125%
HK$155,148
baseline
▲ 0.50% · 4.625%
HK$163,326
+HK$8,178/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,296/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,115
−HK$10,668/mo
▼ 0.25% · 3.875%
HK$175,407
−HK$5,376/mo
Today · 4.125%
HK$180,783
baseline
▲ 0.50% · 4.625%
HK$191,783
+HK$11,000/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$361,566/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,252
−HK$10,224/mo
▼ 0.25% · 3.875%
HK$194,327
−HK$5,149/mo
Today · 4.125%
HK$199,476
baseline
▲ 0.50% · 4.625%
HK$209,991
+HK$10,515/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$398,952/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,475 · Scale 2, in force from 26 Feb 2026)