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$95,066
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,023
−HK$3,005/mo
Today · 4.125%
HK$101,028
baseline
▲ 0.50% · 4.625%
HK$107,175
+HK$6,147/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,056/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,760
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,596
−HK$2,878/mo
Today · 4.125%
HK$111,474
baseline
▲ 0.50% · 4.625%
HK$117,350
+HK$5,876/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$222,948/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,079
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,628
−HK$3,605/mo
Today · 4.125%
HK$121,233
baseline
▲ 0.50% · 4.625%
HK$128,610
+HK$7,377/mo
Deposit HK$16.68M · loan HK$25.01M · min. income ≈ HK$242,466/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,912
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,316
−HK$3,453/mo
Today · 4.125%
HK$133,769
baseline
▲ 0.50% · 4.625%
HK$140,820
+HK$7,051/mo
Deposit HK$16.68M · loan HK$25.01M · min. income ≈ HK$267,538/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,092
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$137,232
−HK$4,207/mo
Today · 4.125%
HK$141,439
baseline
▲ 0.50% · 4.625%
HK$150,045
+HK$8,606/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$282,878/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,064
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,035
−HK$4,028/mo
Today · 4.125%
HK$156,063
baseline
▲ 0.50% · 4.625%
HK$164,290
+HK$8,227/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$312,126/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,119
−HK$10,731/mo
▼ 0.25% · 3.875%
HK$176,442
−HK$5,408/mo
Today · 4.125%
HK$181,850
baseline
▲ 0.50% · 4.625%
HK$192,915
+HK$11,065/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$363,700/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,368
−HK$10,285/mo
▼ 0.25% · 3.875%
HK$195,474
−HK$5,179/mo
Today · 4.125%
HK$200,653
baseline
▲ 0.50% · 4.625%
HK$211,230
+HK$10,577/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$401,306/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,865 · Scale 2, in force from 26 Feb 2026)