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$95,265
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,228
−HK$3,011/mo
Today · 4.125%
HK$101,239
baseline
▲ 0.50% · 4.625%
HK$107,399
+HK$6,160/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,478/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,981
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,823
−HK$2,884/mo
Today · 4.125%
HK$111,707
baseline
▲ 0.50% · 4.625%
HK$117,595
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,414/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,318
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,874
−HK$3,612/mo
Today · 4.125%
HK$121,486
baseline
▲ 0.50% · 4.625%
HK$128,879
+HK$7,393/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,972/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,177
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,588
−HK$3,460/mo
Today · 4.125%
HK$134,048
baseline
▲ 0.50% · 4.625%
HK$141,114
+HK$7,066/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,096/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,371
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,519
−HK$4,215/mo
Today · 4.125%
HK$141,734
baseline
▲ 0.50% · 4.625%
HK$150,358
+HK$8,624/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,468/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,374
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,353
−HK$4,037/mo
Today · 4.125%
HK$156,390
baseline
▲ 0.50% · 4.625%
HK$164,633
+HK$8,243/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,780/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,477
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,810
−HK$5,420/mo
Today · 4.125%
HK$182,230
baseline
▲ 0.50% · 4.625%
HK$193,318
+HK$11,088/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,460/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,766
−HK$10,306/mo
▼ 0.25% · 3.875%
HK$195,882
−HK$5,190/mo
Today · 4.125%
HK$201,072
baseline
▲ 0.50% · 4.625%
HK$211,671
+HK$10,599/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,144/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,569 · Scale 2, in force from 26 Feb 2026)