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$95,094
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,052
−HK$3,005/mo
Today · 4.125%
HK$101,057
baseline
▲ 0.50% · 4.625%
HK$107,206
+HK$6,149/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,114/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,791
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,628
−HK$2,878/mo
Today · 4.125%
HK$111,506
baseline
▲ 0.50% · 4.625%
HK$117,384
+HK$5,878/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$223,012/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,113
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,662
−HK$3,606/mo
Today · 4.125%
HK$121,268
baseline
▲ 0.50% · 4.625%
HK$128,647
+HK$7,379/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,536/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,949
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,354
−HK$3,454/mo
Today · 4.125%
HK$133,808
baseline
▲ 0.50% · 4.625%
HK$140,861
+HK$7,053/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,616/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,131
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,272
−HK$4,208/mo
Today · 4.125%
HK$141,480
baseline
▲ 0.50% · 4.625%
HK$150,088
+HK$8,608/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,960/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,107
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,079
−HK$4,030/mo
Today · 4.125%
HK$156,109
baseline
▲ 0.50% · 4.625%
HK$164,338
+HK$8,229/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,218/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,169
−HK$10,734/mo
▼ 0.25% · 3.875%
HK$176,493
−HK$5,410/mo
Today · 4.125%
HK$181,903
baseline
▲ 0.50% · 4.625%
HK$192,971
+HK$11,068/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$363,806/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,424
−HK$10,288/mo
▼ 0.25% · 3.875%
HK$195,531
−HK$5,181/mo
Today · 4.125%
HK$200,712
baseline
▲ 0.50% · 4.625%
HK$211,291
+HK$10,579/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$401,424/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,382 · Scale 2, in force from 26 Feb 2026)