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$95,099
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,057
−HK$3,005/mo
Today · 4.125%
HK$101,062
baseline
▲ 0.50% · 4.625%
HK$107,212
+HK$6,150/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,124/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,796
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,634
−HK$2,878/mo
Today · 4.125%
HK$111,512
baseline
▲ 0.50% · 4.625%
HK$117,390
+HK$5,878/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$223,024/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,118
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,668
−HK$3,607/mo
Today · 4.125%
HK$121,275
baseline
▲ 0.50% · 4.625%
HK$128,654
+HK$7,379/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,550/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,956
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,360
−HK$3,455/mo
Today · 4.125%
HK$133,815
baseline
▲ 0.50% · 4.625%
HK$140,868
+HK$7,053/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,630/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,138
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,280
−HK$4,207/mo
Today · 4.125%
HK$141,487
baseline
▲ 0.50% · 4.625%
HK$150,096
+HK$8,609/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,974/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,115
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,087
−HK$4,030/mo
Today · 4.125%
HK$156,117
baseline
▲ 0.50% · 4.625%
HK$164,346
+HK$8,229/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,234/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,178
−HK$10,734/mo
▼ 0.25% · 3.875%
HK$176,502
−HK$5,410/mo
Today · 4.125%
HK$181,912
baseline
▲ 0.50% · 4.625%
HK$192,981
+HK$11,069/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$363,824/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,433
−HK$10,289/mo
▼ 0.25% · 3.875%
HK$195,541
−HK$5,181/mo
Today · 4.125%
HK$200,722
baseline
▲ 0.50% · 4.625%
HK$211,302
+HK$10,580/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$401,444/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,474 · Scale 2, in force from 26 Feb 2026)