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$95,289
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,253
−HK$3,011/mo
Today · 4.125%
HK$101,264
baseline
▲ 0.50% · 4.625%
HK$107,426
+HK$6,162/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,528/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,008
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,851
−HK$2,884/mo
Today · 4.125%
HK$111,735
baseline
▲ 0.50% · 4.625%
HK$117,625
+HK$5,890/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,470/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,346
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,903
−HK$3,614/mo
Today · 4.125%
HK$121,517
baseline
▲ 0.50% · 4.625%
HK$128,911
+HK$7,394/mo
Deposit HK$16.72M · loan HK$25.07M · min. income ≈ HK$243,034/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,209
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,621
−HK$3,461/mo
Today · 4.125%
HK$134,082
baseline
▲ 0.50% · 4.625%
HK$141,150
+HK$7,068/mo
Deposit HK$16.72M · loan HK$25.07M · min. income ≈ HK$268,164/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,404
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$137,554
−HK$4,216/mo
Today · 4.125%
HK$141,770
baseline
▲ 0.50% · 4.625%
HK$150,396
+HK$8,626/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$283,540/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,411
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,391
−HK$4,038/mo
Today · 4.125%
HK$156,429
baseline
▲ 0.50% · 4.625%
HK$164,675
+HK$8,246/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$312,858/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,520
−HK$10,755/mo
▼ 0.25% · 3.875%
HK$176,855
−HK$5,420/mo
Today · 4.125%
HK$182,275
baseline
▲ 0.50% · 4.625%
HK$193,367
+HK$11,092/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$364,550/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,814
−HK$10,309/mo
▼ 0.25% · 3.875%
HK$195,931
−HK$5,192/mo
Today · 4.125%
HK$201,123
baseline
▲ 0.50% · 4.625%
HK$211,724
+HK$10,601/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$402,246/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,776,016 · Scale 2, in force from 26 Feb 2026)