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$94,677
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,622
−HK$2,992/mo
Today · 4.125%
HK$100,614
baseline
▲ 0.50% · 4.625%
HK$106,736
+HK$6,122/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$201,228/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,327
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,152
−HK$2,866/mo
Today · 4.125%
HK$111,018
baseline
▲ 0.50% · 4.625%
HK$116,870
+HK$5,852/mo
Deposit HK$20.76M · loan HK$20.76M · min. income ≈ HK$222,036/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,612
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,146
−HK$3,591/mo
Today · 4.125%
HK$120,737
baseline
▲ 0.50% · 4.625%
HK$128,083
+HK$7,346/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$241,474/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,393
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,782
−HK$3,439/mo
Today · 4.125%
HK$133,221
baseline
▲ 0.50% · 4.625%
HK$140,243
+HK$7,022/mo
Deposit HK$16.61M · loan HK$24.91M · min. income ≈ HK$266,442/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,548
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$136,671
−HK$4,189/mo
Today · 4.125%
HK$140,860
baseline
▲ 0.50% · 4.625%
HK$149,431
+HK$8,571/mo
Deposit HK$12.46M · loan HK$29.06M · min. income ≈ HK$281,720/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,458
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$151,413
−HK$4,012/mo
Today · 4.125%
HK$155,425
baseline
▲ 0.50% · 4.625%
HK$163,617
+HK$8,192/mo
Deposit HK$12.46M · loan HK$29.06M · min. income ≈ HK$310,850/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,418
−HK$10,687/mo
▼ 0.25% · 3.875%
HK$175,719
−HK$5,386/mo
Today · 4.125%
HK$181,105
baseline
▲ 0.50% · 4.625%
HK$192,125
+HK$11,020/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$362,210/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,589
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$194,673
−HK$5,159/mo
Today · 4.125%
HK$199,832
baseline
▲ 0.50% · 4.625%
HK$210,365
+HK$10,533/mo
Deposit HK$4.15M · loan HK$37.37M · min. income ≈ HK$399,664/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,613 · Scale 2, in force from 26 Feb 2026)