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$95,081
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,038
−HK$3,005/mo
Today · 4.125%
HK$101,043
baseline
▲ 0.50% · 4.625%
HK$107,192
+HK$6,149/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,086/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,777
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,613
−HK$2,878/mo
Today · 4.125%
HK$111,491
baseline
▲ 0.50% · 4.625%
HK$117,368
+HK$5,877/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$222,982/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,097
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,646
−HK$3,606/mo
Today · 4.125%
HK$121,252
baseline
▲ 0.50% · 4.625%
HK$128,630
+HK$7,378/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,504/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,932
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,336
−HK$3,454/mo
Today · 4.125%
HK$133,790
baseline
▲ 0.50% · 4.625%
HK$140,842
+HK$7,052/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,580/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,113
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,254
−HK$4,207/mo
Today · 4.125%
HK$141,461
baseline
▲ 0.50% · 4.625%
HK$150,068
+HK$8,607/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,922/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,087
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,059
−HK$4,029/mo
Today · 4.125%
HK$156,088
baseline
▲ 0.50% · 4.625%
HK$164,316
+HK$8,228/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,176/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,146
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$176,469
−HK$5,409/mo
Today · 4.125%
HK$181,878
baseline
▲ 0.50% · 4.625%
HK$192,945
+HK$11,067/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$363,756/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,398
−HK$10,286/mo
▼ 0.25% · 3.875%
HK$195,504
−HK$5,180/mo
Today · 4.125%
HK$200,684
baseline
▲ 0.50% · 4.625%
HK$211,263
+HK$10,579/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$401,368/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,143 · Scale 2, in force from 26 Feb 2026)