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$95,267
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,230
−HK$3,011/mo
Today · 4.125%
HK$101,241
baseline
▲ 0.50% · 4.625%
HK$107,401
+HK$6,160/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,482/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,984
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,826
−HK$2,883/mo
Today · 4.125%
HK$111,709
baseline
▲ 0.50% · 4.625%
HK$117,598
+HK$5,889/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,418/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,320
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,876
−HK$3,613/mo
Today · 4.125%
HK$121,489
baseline
▲ 0.50% · 4.625%
HK$128,882
+HK$7,393/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,978/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,180
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,591
−HK$3,460/mo
Today · 4.125%
HK$134,051
baseline
▲ 0.50% · 4.625%
HK$141,117
+HK$7,066/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,102/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,374
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,522
−HK$4,215/mo
Today · 4.125%
HK$141,737
baseline
▲ 0.50% · 4.625%
HK$150,362
+HK$8,625/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$283,474/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,377
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,356
−HK$4,037/mo
Today · 4.125%
HK$156,393
baseline
▲ 0.50% · 4.625%
HK$164,637
+HK$8,244/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$312,786/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,481
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,815
−HK$5,419/mo
Today · 4.125%
HK$182,234
baseline
▲ 0.50% · 4.625%
HK$193,322
+HK$11,088/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,468/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,770
−HK$10,307/mo
▼ 0.25% · 3.875%
HK$195,887
−HK$5,190/mo
Today · 4.125%
HK$201,077
baseline
▲ 0.50% · 4.625%
HK$211,676
+HK$10,599/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,154/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,610 · Scale 2, in force from 26 Feb 2026)