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$94,753
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,700
−HK$2,995/mo
Today · 4.125%
HK$100,695
baseline
▲ 0.50% · 4.625%
HK$106,822
+HK$6,127/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$201,390/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,412
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,239
−HK$2,868/mo
Today · 4.125%
HK$111,107
baseline
▲ 0.50% · 4.625%
HK$116,963
+HK$5,856/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$222,214/mo (50% DSR)
Upfront cash ≈ HK$22.54M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,704
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,240
−HK$3,594/mo
Today · 4.125%
HK$120,834
baseline
▲ 0.50% · 4.625%
HK$128,186
+HK$7,352/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$241,668/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,494
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,887
−HK$3,441/mo
Today · 4.125%
HK$133,328
baseline
▲ 0.50% · 4.625%
HK$140,356
+HK$7,028/mo
Deposit HK$16.62M · loan HK$24.93M · min. income ≈ HK$266,656/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,654
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,781
−HK$4,192/mo
Today · 4.125%
HK$140,973
baseline
▲ 0.50% · 4.625%
HK$149,551
+HK$8,578/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$281,946/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,576
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$151,534
−HK$4,016/mo
Today · 4.125%
HK$155,550
baseline
▲ 0.50% · 4.625%
HK$163,749
+HK$8,199/mo
Deposit HK$12.47M · loan HK$29.09M · min. income ≈ HK$311,100/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,555
−HK$10,696/mo
▼ 0.25% · 3.875%
HK$175,861
−HK$5,390/mo
Today · 4.125%
HK$181,251
baseline
▲ 0.50% · 4.625%
HK$192,279
+HK$11,028/mo
Deposit HK$4.16M · loan HK$37.40M · min. income ≈ HK$362,502/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,741
−HK$10,251/mo
▼ 0.25% · 3.875%
HK$194,830
−HK$5,162/mo
Today · 4.125%
HK$199,992
baseline
▲ 0.50% · 4.625%
HK$210,534
+HK$10,542/mo
Deposit HK$4.16M · loan HK$37.40M · min. income ≈ HK$399,984/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,031 · Scale 2, in force from 26 Feb 2026)