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$95,113
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,072
−HK$3,006/mo
Today · 4.125%
HK$101,078
baseline
▲ 0.50% · 4.625%
HK$107,228
+HK$6,150/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,156/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,812
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,650
−HK$2,879/mo
Today · 4.125%
HK$111,529
baseline
▲ 0.50% · 4.625%
HK$117,408
+HK$5,879/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,058/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,136
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,686
−HK$3,607/mo
Today · 4.125%
HK$121,293
baseline
▲ 0.50% · 4.625%
HK$128,674
+HK$7,381/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$242,586/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,975
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,380
−HK$3,455/mo
Today · 4.125%
HK$133,835
baseline
▲ 0.50% · 4.625%
HK$140,890
+HK$7,055/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$267,670/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,158
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,300
−HK$4,209/mo
Today · 4.125%
HK$141,509
baseline
▲ 0.50% · 4.625%
HK$150,119
+HK$8,610/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$283,018/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,137
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,110
−HK$4,031/mo
Today · 4.125%
HK$156,141
baseline
▲ 0.50% · 4.625%
HK$164,371
+HK$8,230/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$312,282/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,204
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$176,529
−HK$5,411/mo
Today · 4.125%
HK$181,940
baseline
▲ 0.50% · 4.625%
HK$193,010
+HK$11,070/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$363,880/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,462
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$195,570
−HK$5,182/mo
Today · 4.125%
HK$200,752
baseline
▲ 0.50% · 4.625%
HK$211,334
+HK$10,582/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$401,504/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,744 · Scale 2, in force from 26 Feb 2026)