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$94,452
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,390
−HK$2,985/mo
Today · 4.125%
HK$100,375
baseline
▲ 0.50% · 4.625%
HK$106,483
+HK$6,108/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,750/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,077
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,895
−HK$2,859/mo
Today · 4.125%
HK$110,754
baseline
▲ 0.50% · 4.625%
HK$116,592
+HK$5,838/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,508/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,342
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,868
−HK$3,582/mo
Today · 4.125%
HK$120,450
baseline
▲ 0.50% · 4.625%
HK$127,779
+HK$7,329/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$240,900/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,092
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,474
−HK$3,431/mo
Today · 4.125%
HK$132,905
baseline
▲ 0.50% · 4.625%
HK$139,910
+HK$7,005/mo
Deposit HK$16.57M · loan HK$24.85M · min. income ≈ HK$265,810/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,233
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,346
−HK$4,179/mo
Today · 4.125%
HK$140,525
baseline
▲ 0.50% · 4.625%
HK$149,076
+HK$8,551/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,050/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,108
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,053
−HK$4,002/mo
Today · 4.125%
HK$155,055
baseline
▲ 0.50% · 4.625%
HK$163,229
+HK$8,174/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,110/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,014
−HK$10,661/mo
▼ 0.25% · 3.875%
HK$175,302
−HK$5,373/mo
Today · 4.125%
HK$180,675
baseline
▲ 0.50% · 4.625%
HK$191,669
+HK$10,994/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$361,350/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,138
−HK$10,219/mo
▼ 0.25% · 3.875%
HK$194,211
−HK$5,146/mo
Today · 4.125%
HK$199,357
baseline
▲ 0.50% · 4.625%
HK$209,865
+HK$10,508/mo
Deposit HK$4.14M · loan HK$37.28M · min. income ≈ HK$398,714/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,420 · Scale 2, in force from 26 Feb 2026)