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$95,160
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,120
−HK$3,007/mo
Today · 4.125%
HK$101,127
baseline
▲ 0.50% · 4.625%
HK$107,280
+HK$6,153/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,254/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,864
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,703
−HK$2,881/mo
Today · 4.125%
HK$111,584
baseline
▲ 0.50% · 4.625%
HK$117,465
+HK$5,881/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,168/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,191
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,743
−HK$3,609/mo
Today · 4.125%
HK$121,352
baseline
▲ 0.50% · 4.625%
HK$128,736
+HK$7,384/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$242,704/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,037
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,444
−HK$3,456/mo
Today · 4.125%
HK$133,900
baseline
▲ 0.50% · 4.625%
HK$140,958
+HK$7,058/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$267,800/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,223
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,367
−HK$4,211/mo
Today · 4.125%
HK$141,578
baseline
▲ 0.50% · 4.625%
HK$150,192
+HK$8,614/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$283,156/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,210
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$152,185
−HK$4,032/mo
Today · 4.125%
HK$156,217
baseline
▲ 0.50% · 4.625%
HK$164,451
+HK$8,234/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$312,434/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,287
−HK$10,741/mo
▼ 0.25% · 3.875%
HK$176,615
−HK$5,413/mo
Today · 4.125%
HK$182,028
baseline
▲ 0.50% · 4.625%
HK$193,104
+HK$11,076/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$364,056/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,555
−HK$10,295/mo
▼ 0.25% · 3.875%
HK$195,666
−HK$5,184/mo
Today · 4.125%
HK$200,850
baseline
▲ 0.50% · 4.625%
HK$211,437
+HK$10,587/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$401,700/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,608 · Scale 2, in force from 26 Feb 2026)