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$95,071
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,028
−HK$3,005/mo
Today · 4.125%
HK$101,033
baseline
▲ 0.50% · 4.625%
HK$107,181
+HK$6,148/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,066/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,766
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,602
−HK$2,878/mo
Today · 4.125%
HK$111,480
baseline
▲ 0.50% · 4.625%
HK$117,356
+HK$5,876/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$222,960/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,085
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,634
−HK$3,605/mo
Today · 4.125%
HK$121,239
baseline
▲ 0.50% · 4.625%
HK$128,617
+HK$7,378/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,478/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,919
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,323
−HK$3,453/mo
Today · 4.125%
HK$133,776
baseline
▲ 0.50% · 4.625%
HK$140,827
+HK$7,051/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,552/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,100
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,240
−HK$4,206/mo
Today · 4.125%
HK$141,446
baseline
▲ 0.50% · 4.625%
HK$150,053
+HK$8,607/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,892/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,072
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$152,043
−HK$4,029/mo
Today · 4.125%
HK$156,072
baseline
▲ 0.50% · 4.625%
HK$164,299
+HK$8,227/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,144/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,128
−HK$10,731/mo
▼ 0.25% · 3.875%
HK$176,451
−HK$5,408/mo
Today · 4.125%
HK$181,859
baseline
▲ 0.50% · 4.625%
HK$192,925
+HK$11,066/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$363,718/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,378
−HK$10,286/mo
▼ 0.25% · 3.875%
HK$195,484
−HK$5,180/mo
Today · 4.125%
HK$200,664
baseline
▲ 0.50% · 4.625%
HK$211,241
+HK$10,577/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$401,328/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,960 · Scale 2, in force from 26 Feb 2026)