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$94,718
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,664
−HK$2,994/mo
Today · 4.125%
HK$100,658
baseline
▲ 0.50% · 4.625%
HK$106,783
+HK$6,125/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$201,316/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,373
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,199
−HK$2,867/mo
Today · 4.125%
HK$111,066
baseline
▲ 0.50% · 4.625%
HK$116,920
+HK$5,854/mo
Deposit HK$20.77M · loan HK$20.77M · min. income ≈ HK$222,132/mo (50% DSR)
Upfront cash ≈ HK$22.53M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,662
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,197
−HK$3,592/mo
Today · 4.125%
HK$120,789
baseline
▲ 0.50% · 4.625%
HK$128,139
+HK$7,350/mo
Deposit HK$16.62M · loan HK$24.92M · min. income ≈ HK$241,578/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,447
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,839
−HK$3,440/mo
Today · 4.125%
HK$133,279
baseline
▲ 0.50% · 4.625%
HK$140,304
+HK$7,025/mo
Deposit HK$16.62M · loan HK$24.92M · min. income ≈ HK$266,558/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,605
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,730
−HK$4,191/mo
Today · 4.125%
HK$140,921
baseline
▲ 0.50% · 4.625%
HK$149,496
+HK$8,575/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$281,842/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,522
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$151,479
−HK$4,013/mo
Today · 4.125%
HK$155,492
baseline
▲ 0.50% · 4.625%
HK$163,688
+HK$8,196/mo
Deposit HK$12.46M · loan HK$29.08M · min. income ≈ HK$310,984/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,493
−HK$10,691/mo
▼ 0.25% · 3.875%
HK$175,796
−HK$5,388/mo
Today · 4.125%
HK$181,184
baseline
▲ 0.50% · 4.625%
HK$192,209
+HK$11,025/mo
Deposit HK$4.15M · loan HK$37.38M · min. income ≈ HK$362,368/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,671
−HK$10,248/mo
▼ 0.25% · 3.875%
HK$194,758
−HK$5,161/mo
Today · 4.125%
HK$199,919
baseline
▲ 0.50% · 4.625%
HK$210,457
+HK$10,538/mo
Deposit HK$4.15M · loan HK$37.38M · min. income ≈ HK$399,838/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,765,380 · Scale 2, in force from 26 Feb 2026)