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$95,254
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,217
−HK$3,010/mo
Today · 4.125%
HK$101,227
baseline
▲ 0.50% · 4.625%
HK$107,386
+HK$6,159/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,454/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,969
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,811
−HK$2,883/mo
Today · 4.125%
HK$111,694
baseline
▲ 0.50% · 4.625%
HK$117,581
+HK$5,887/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,388/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,304
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,860
−HK$3,612/mo
Today · 4.125%
HK$121,472
baseline
▲ 0.50% · 4.625%
HK$128,864
+HK$7,392/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$242,944/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,162
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,573
−HK$3,460/mo
Today · 4.125%
HK$134,033
baseline
▲ 0.50% · 4.625%
HK$141,098
+HK$7,065/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$268,066/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,355
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,503
−HK$4,215/mo
Today · 4.125%
HK$141,718
baseline
▲ 0.50% · 4.625%
HK$150,341
+HK$8,623/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,436/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,356
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$152,335
−HK$4,036/mo
Today · 4.125%
HK$156,371
baseline
▲ 0.50% · 4.625%
HK$164,614
+HK$8,243/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,742/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,456
−HK$10,752/mo
▼ 0.25% · 3.875%
HK$176,790
−HK$5,418/mo
Today · 4.125%
HK$182,208
baseline
▲ 0.50% · 4.625%
HK$193,295
+HK$11,087/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,416/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,744
−HK$10,305/mo
▼ 0.25% · 3.875%
HK$195,859
−HK$5,190/mo
Today · 4.125%
HK$201,049
baseline
▲ 0.50% · 4.625%
HK$211,646
+HK$10,597/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,098/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,361 · Scale 2, in force from 26 Feb 2026)