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$95,107
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,065
−HK$3,006/mo
Today · 4.125%
HK$101,071
baseline
▲ 0.50% · 4.625%
HK$107,221
+HK$6,150/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,142/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,805
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,643
−HK$2,879/mo
Today · 4.125%
HK$111,522
baseline
▲ 0.50% · 4.625%
HK$117,400
+HK$5,878/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$223,044/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,128
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,678
−HK$3,607/mo
Today · 4.125%
HK$121,285
baseline
▲ 0.50% · 4.625%
HK$128,665
+HK$7,380/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$242,570/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,967
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,372
−HK$3,454/mo
Today · 4.125%
HK$133,826
baseline
▲ 0.50% · 4.625%
HK$140,880
+HK$7,054/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$267,652/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,150
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,291
−HK$4,208/mo
Today · 4.125%
HK$141,499
baseline
▲ 0.50% · 4.625%
HK$150,109
+HK$8,610/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$282,998/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,128
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,100
−HK$4,031/mo
Today · 4.125%
HK$156,131
baseline
▲ 0.50% · 4.625%
HK$164,360
+HK$8,229/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$312,262/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,192
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$176,517
−HK$5,411/mo
Today · 4.125%
HK$181,928
baseline
▲ 0.50% · 4.625%
HK$192,998
+HK$11,070/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$363,856/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,450
−HK$10,289/mo
▼ 0.25% · 3.875%
HK$195,558
−HK$5,181/mo
Today · 4.125%
HK$200,739
baseline
▲ 0.50% · 4.625%
HK$211,320
+HK$10,581/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$401,478/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,627 · Scale 2, in force from 26 Feb 2026)