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$94,973
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,927
−HK$3,002/mo
Today · 4.125%
HK$100,929
baseline
▲ 0.50% · 4.625%
HK$107,070
+HK$6,141/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$201,858/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,657
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,490
−HK$2,875/mo
Today · 4.125%
HK$111,365
baseline
▲ 0.50% · 4.625%
HK$117,235
+HK$5,870/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$222,730/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,968
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,513
−HK$3,602/mo
Today · 4.125%
HK$121,115
baseline
▲ 0.50% · 4.625%
HK$128,484
+HK$7,369/mo
Deposit HK$16.66M · loan HK$24.99M · min. income ≈ HK$242,230/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,788
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,188
−HK$3,450/mo
Today · 4.125%
HK$133,638
baseline
▲ 0.50% · 4.625%
HK$140,682
+HK$7,044/mo
Deposit HK$16.66M · loan HK$24.99M · min. income ≈ HK$267,276/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,962
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,098
−HK$4,202/mo
Today · 4.125%
HK$141,300
baseline
▲ 0.50% · 4.625%
HK$149,898
+HK$8,598/mo
Deposit HK$12.50M · loan HK$29.16M · min. income ≈ HK$282,600/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,919
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,886
−HK$4,025/mo
Today · 4.125%
HK$155,911
baseline
▲ 0.50% · 4.625%
HK$164,129
+HK$8,218/mo
Deposit HK$12.50M · loan HK$29.16M · min. income ≈ HK$311,822/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,952
−HK$10,720/mo
▼ 0.25% · 3.875%
HK$176,269
−HK$5,403/mo
Today · 4.125%
HK$181,672
baseline
▲ 0.50% · 4.625%
HK$192,726
+HK$11,054/mo
Deposit HK$4.17M · loan HK$37.49M · min. income ≈ HK$363,344/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,182
−HK$10,275/mo
▼ 0.25% · 3.875%
HK$195,283
−HK$5,174/mo
Today · 4.125%
HK$200,457
baseline
▲ 0.50% · 4.625%
HK$211,023
+HK$10,566/mo
Deposit HK$4.17M · loan HK$37.49M · min. income ≈ HK$400,914/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,134 · Scale 2, in force from 26 Feb 2026)