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$95,006
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,961
−HK$3,003/mo
Today · 4.125%
HK$100,964
baseline
▲ 0.50% · 4.625%
HK$107,107
+HK$6,143/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$201,928/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,693
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,528
−HK$2,876/mo
Today · 4.125%
HK$111,404
baseline
▲ 0.50% · 4.625%
HK$117,276
+HK$5,872/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$222,808/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,007
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,554
−HK$3,603/mo
Today · 4.125%
HK$121,157
baseline
▲ 0.50% · 4.625%
HK$128,529
+HK$7,372/mo
Deposit HK$16.67M · loan HK$25.00M · min. income ≈ HK$242,314/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,832
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,234
−HK$3,450/mo
Today · 4.125%
HK$133,684
baseline
▲ 0.50% · 4.625%
HK$140,731
+HK$7,047/mo
Deposit HK$16.67M · loan HK$25.00M · min. income ≈ HK$267,368/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,009
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,146
−HK$4,203/mo
Today · 4.125%
HK$141,349
baseline
▲ 0.50% · 4.625%
HK$149,950
+HK$8,601/mo
Deposit HK$12.50M · loan HK$29.17M · min. income ≈ HK$282,698/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,971
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,939
−HK$4,026/mo
Today · 4.125%
HK$155,965
baseline
▲ 0.50% · 4.625%
HK$164,186
+HK$8,221/mo
Deposit HK$12.50M · loan HK$29.17M · min. income ≈ HK$311,930/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,011
−HK$10,724/mo
▼ 0.25% · 3.875%
HK$176,330
−HK$5,405/mo
Today · 4.125%
HK$181,735
baseline
▲ 0.50% · 4.625%
HK$192,793
+HK$11,058/mo
Deposit HK$4.17M · loan HK$37.50M · min. income ≈ HK$363,470/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,248
−HK$10,279/mo
▼ 0.25% · 3.875%
HK$195,350
−HK$5,177/mo
Today · 4.125%
HK$200,527
baseline
▲ 0.50% · 4.625%
HK$211,097
+HK$10,570/mo
Deposit HK$4.17M · loan HK$37.50M · min. income ≈ HK$401,054/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,748 · Scale 2, in force from 26 Feb 2026)