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$95,101
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,059
−HK$3,006/mo
Today · 4.125%
HK$101,065
baseline
▲ 0.50% · 4.625%
HK$107,214
+HK$6,149/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,130/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,799
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,636
−HK$2,879/mo
Today · 4.125%
HK$111,515
baseline
▲ 0.50% · 4.625%
HK$117,393
+HK$5,878/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$223,030/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,121
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,671
−HK$3,607/mo
Today · 4.125%
HK$121,278
baseline
▲ 0.50% · 4.625%
HK$128,657
+HK$7,379/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,556/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,959
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,364
−HK$3,454/mo
Today · 4.125%
HK$133,818
baseline
▲ 0.50% · 4.625%
HK$140,872
+HK$7,054/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,636/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,142
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,283
−HK$4,208/mo
Today · 4.125%
HK$141,491
baseline
▲ 0.50% · 4.625%
HK$150,100
+HK$8,609/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,982/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,119
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,091
−HK$4,030/mo
Today · 4.125%
HK$156,121
baseline
▲ 0.50% · 4.625%
HK$164,350
+HK$8,229/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,242/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,182
−HK$10,735/mo
▼ 0.25% · 3.875%
HK$176,507
−HK$5,410/mo
Today · 4.125%
HK$181,917
baseline
▲ 0.50% · 4.625%
HK$192,986
+HK$11,069/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$363,834/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,438
−HK$10,289/mo
▼ 0.25% · 3.875%
HK$195,546
−HK$5,181/mo
Today · 4.125%
HK$200,727
baseline
▲ 0.50% · 4.625%
HK$211,308
+HK$10,581/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$401,454/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,519 · Scale 2, in force from 26 Feb 2026)