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$95,339
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,305
−HK$3,013/mo
Today · 4.125%
HK$101,318
baseline
▲ 0.50% · 4.625%
HK$107,483
+HK$6,165/mo
Deposit HK$20.91M · loan HK$20.91M · min. income ≈ HK$202,636/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,064
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,909
−HK$2,886/mo
Today · 4.125%
HK$111,795
baseline
▲ 0.50% · 4.625%
HK$117,687
+HK$5,892/mo
Deposit HK$20.91M · loan HK$20.91M · min. income ≈ HK$223,590/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,407
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,966
−HK$3,616/mo
Today · 4.125%
HK$121,582
baseline
▲ 0.50% · 4.625%
HK$128,980
+HK$7,398/mo
Deposit HK$16.72M · loan HK$25.09M · min. income ≈ HK$243,164/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,277
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,691
−HK$3,462/mo
Today · 4.125%
HK$134,153
baseline
▲ 0.50% · 4.625%
HK$141,225
+HK$7,072/mo
Deposit HK$16.72M · loan HK$25.09M · min. income ≈ HK$268,306/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,475
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,627
−HK$4,218/mo
Today · 4.125%
HK$141,845
baseline
▲ 0.50% · 4.625%
HK$150,476
+HK$8,631/mo
Deposit HK$12.54M · loan HK$29.27M · min. income ≈ HK$283,690/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,490
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,472
−HK$4,040/mo
Today · 4.125%
HK$156,512
baseline
▲ 0.50% · 4.625%
HK$164,762
+HK$8,250/mo
Deposit HK$12.54M · loan HK$29.27M · min. income ≈ HK$313,024/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,611
−HK$10,762/mo
▼ 0.25% · 3.875%
HK$176,949
−HK$5,424/mo
Today · 4.125%
HK$182,373
baseline
▲ 0.50% · 4.625%
HK$193,469
+HK$11,096/mo
Deposit HK$4.18M · loan HK$37.63M · min. income ≈ HK$364,746/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,916
−HK$10,314/mo
▼ 0.25% · 3.875%
HK$196,036
−HK$5,194/mo
Today · 4.125%
HK$201,230
baseline
▲ 0.50% · 4.625%
HK$211,837
+HK$10,607/mo
Deposit HK$4.18M · loan HK$37.63M · min. income ≈ HK$402,460/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,776,962 · Scale 2, in force from 26 Feb 2026)