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$95,052
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,009
−HK$3,004/mo
Today · 4.125%
HK$101,013
baseline
▲ 0.50% · 4.625%
HK$107,159
+HK$6,146/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$202,026/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,744
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,580
−HK$2,877/mo
Today · 4.125%
HK$111,457
baseline
▲ 0.50% · 4.625%
HK$117,332
+HK$5,875/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$222,914/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,062
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,610
−HK$3,605/mo
Today · 4.125%
HK$121,215
baseline
▲ 0.50% · 4.625%
HK$128,591
+HK$7,376/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$242,430/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,893
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$130,296
−HK$3,453/mo
Today · 4.125%
HK$133,749
baseline
▲ 0.50% · 4.625%
HK$140,799
+HK$7,050/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$267,498/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,073
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$137,212
−HK$4,206/mo
Today · 4.125%
HK$141,418
baseline
▲ 0.50% · 4.625%
HK$150,023
+HK$8,605/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$282,836/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,042
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$152,013
−HK$4,027/mo
Today · 4.125%
HK$156,040
baseline
▲ 0.50% · 4.625%
HK$164,265
+HK$8,225/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$312,080/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,094
−HK$10,729/mo
▼ 0.25% · 3.875%
HK$176,416
−HK$5,407/mo
Today · 4.125%
HK$181,823
baseline
▲ 0.50% · 4.625%
HK$192,886
+HK$11,063/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$363,646/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,340
−HK$10,283/mo
▼ 0.25% · 3.875%
HK$195,445
−HK$5,178/mo
Today · 4.125%
HK$200,623
baseline
▲ 0.50% · 4.625%
HK$211,198
+HK$10,575/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$401,246/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,603 · Scale 2, in force from 26 Feb 2026)