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$95,156
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,116
−HK$3,007/mo
Today · 4.125%
HK$101,123
baseline
▲ 0.50% · 4.625%
HK$107,276
+HK$6,153/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,246/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,860
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,699
−HK$2,880/mo
Today · 4.125%
HK$111,579
baseline
▲ 0.50% · 4.625%
HK$117,461
+HK$5,882/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,158/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,187
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,739
−HK$3,608/mo
Today · 4.125%
HK$121,347
baseline
▲ 0.50% · 4.625%
HK$128,731
+HK$7,384/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$242,694/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,032
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,439
−HK$3,456/mo
Today · 4.125%
HK$133,895
baseline
▲ 0.50% · 4.625%
HK$140,953
+HK$7,058/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$267,790/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,218
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$137,362
−HK$4,210/mo
Today · 4.125%
HK$141,572
baseline
▲ 0.50% · 4.625%
HK$150,186
+HK$8,614/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$283,144/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,204
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$152,178
−HK$4,033/mo
Today · 4.125%
HK$156,211
baseline
▲ 0.50% · 4.625%
HK$164,445
+HK$8,234/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$312,422/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,280
−HK$10,741/mo
▼ 0.25% · 3.875%
HK$176,608
−HK$5,413/mo
Today · 4.125%
HK$182,021
baseline
▲ 0.50% · 4.625%
HK$193,097
+HK$11,076/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$364,042/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,548
−HK$10,294/mo
▼ 0.25% · 3.875%
HK$195,658
−HK$5,184/mo
Today · 4.125%
HK$200,842
baseline
▲ 0.50% · 4.625%
HK$211,429
+HK$10,587/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$401,684/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,537 · Scale 2, in force from 26 Feb 2026)