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$95,110
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,069
−HK$3,005/mo
Today · 4.125%
HK$101,074
baseline
▲ 0.50% · 4.625%
HK$107,225
+HK$6,151/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,148/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,809
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,647
−HK$2,879/mo
Today · 4.125%
HK$111,526
baseline
▲ 0.50% · 4.625%
HK$117,404
+HK$5,878/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,052/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,132
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,682
−HK$3,607/mo
Today · 4.125%
HK$121,289
baseline
▲ 0.50% · 4.625%
HK$128,670
+HK$7,381/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$242,578/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,971
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,376
−HK$3,455/mo
Today · 4.125%
HK$133,831
baseline
▲ 0.50% · 4.625%
HK$140,885
+HK$7,054/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$267,662/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,154
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,296
−HK$4,208/mo
Today · 4.125%
HK$141,504
baseline
▲ 0.50% · 4.625%
HK$150,114
+HK$8,610/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$283,008/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,133
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,106
−HK$4,030/mo
Today · 4.125%
HK$156,136
baseline
▲ 0.50% · 4.625%
HK$164,366
+HK$8,230/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$312,272/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,198
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$176,524
−HK$5,410/mo
Today · 4.125%
HK$181,934
baseline
▲ 0.50% · 4.625%
HK$193,004
+HK$11,070/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$363,868/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,456
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$195,564
−HK$5,182/mo
Today · 4.125%
HK$200,746
baseline
▲ 0.50% · 4.625%
HK$211,328
+HK$10,582/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$401,492/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,689 · Scale 2, in force from 26 Feb 2026)