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$95,125
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,084
−HK$3,006/mo
Today · 4.125%
HK$101,090
baseline
▲ 0.50% · 4.625%
HK$107,241
+HK$6,151/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,180/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,826
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,664
−HK$2,879/mo
Today · 4.125%
HK$111,543
baseline
▲ 0.50% · 4.625%
HK$117,423
+HK$5,880/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,086/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,150
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,701
−HK$3,607/mo
Today · 4.125%
HK$121,308
baseline
▲ 0.50% · 4.625%
HK$128,690
+HK$7,382/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$242,616/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,991
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,397
−HK$3,455/mo
Today · 4.125%
HK$133,852
baseline
▲ 0.50% · 4.625%
HK$140,907
+HK$7,055/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$267,704/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,175
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,317
−HK$4,209/mo
Today · 4.125%
HK$141,526
baseline
▲ 0.50% · 4.625%
HK$150,138
+HK$8,612/mo
Deposit HK$12.52M · loan HK$29.20M · min. income ≈ HK$283,052/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,156
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,129
−HK$4,031/mo
Today · 4.125%
HK$156,160
baseline
▲ 0.50% · 4.625%
HK$164,392
+HK$8,232/mo
Deposit HK$12.52M · loan HK$29.20M · min. income ≈ HK$312,320/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,225
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$176,551
−HK$5,411/mo
Today · 4.125%
HK$181,962
baseline
▲ 0.50% · 4.625%
HK$193,034
+HK$11,072/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$363,924/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,486
−HK$10,291/mo
▼ 0.25% · 3.875%
HK$195,595
−HK$5,182/mo
Today · 4.125%
HK$200,777
baseline
▲ 0.50% · 4.625%
HK$211,361
+HK$10,584/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$401,554/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,964 · Scale 2, in force from 26 Feb 2026)