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$95,260
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,223
−HK$3,011/mo
Today · 4.125%
HK$101,234
baseline
▲ 0.50% · 4.625%
HK$107,393
+HK$6,159/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,468/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,976
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,818
−HK$2,883/mo
Today · 4.125%
HK$111,701
baseline
▲ 0.50% · 4.625%
HK$117,589
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,402/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,312
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,868
−HK$3,612/mo
Today · 4.125%
HK$121,480
baseline
▲ 0.50% · 4.625%
HK$128,872
+HK$7,392/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,960/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,171
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,582
−HK$3,460/mo
Today · 4.125%
HK$134,042
baseline
▲ 0.50% · 4.625%
HK$141,107
+HK$7,065/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,084/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,364
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,512
−HK$4,215/mo
Today · 4.125%
HK$141,727
baseline
▲ 0.50% · 4.625%
HK$150,351
+HK$8,624/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,454/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,366
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,345
−HK$4,037/mo
Today · 4.125%
HK$156,382
baseline
▲ 0.50% · 4.625%
HK$164,625
+HK$8,243/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,764/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,468
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,802
−HK$5,419/mo
Today · 4.125%
HK$182,221
baseline
▲ 0.50% · 4.625%
HK$193,308
+HK$11,087/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,442/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,756
−HK$10,306/mo
▼ 0.25% · 3.875%
HK$195,872
−HK$5,190/mo
Today · 4.125%
HK$201,062
baseline
▲ 0.50% · 4.625%
HK$211,661
+HK$10,599/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,124/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,481 · Scale 2, in force from 26 Feb 2026)