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$95,270
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,233
−HK$3,011/mo
Today · 4.125%
HK$101,244
baseline
▲ 0.50% · 4.625%
HK$107,405
+HK$6,161/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,488/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,987
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,829
−HK$2,884/mo
Today · 4.125%
HK$111,713
baseline
▲ 0.50% · 4.625%
HK$117,601
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,426/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,324
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,880
−HK$3,613/mo
Today · 4.125%
HK$121,493
baseline
▲ 0.50% · 4.625%
HK$128,885
+HK$7,392/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,986/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,184
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,595
−HK$3,460/mo
Today · 4.125%
HK$134,055
baseline
▲ 0.50% · 4.625%
HK$141,122
+HK$7,067/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,110/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,378
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$137,527
−HK$4,215/mo
Today · 4.125%
HK$141,742
baseline
▲ 0.50% · 4.625%
HK$150,366
+HK$8,624/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$283,484/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,381
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$152,361
−HK$4,037/mo
Today · 4.125%
HK$156,398
baseline
▲ 0.50% · 4.625%
HK$164,642
+HK$8,244/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$312,796/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,486
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,820
−HK$5,419/mo
Today · 4.125%
HK$182,239
baseline
▲ 0.50% · 4.625%
HK$193,328
+HK$11,089/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,478/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,776
−HK$10,307/mo
▼ 0.25% · 3.875%
HK$195,893
−HK$5,190/mo
Today · 4.125%
HK$201,083
baseline
▲ 0.50% · 4.625%
HK$211,682
+HK$10,599/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,166/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,663 · Scale 2, in force from 26 Feb 2026)