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$95,112
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,071
−HK$3,005/mo
Today · 4.125%
HK$101,076
baseline
▲ 0.50% · 4.625%
HK$107,227
+HK$6,151/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,152/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,811
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,649
−HK$2,879/mo
Today · 4.125%
HK$111,528
baseline
▲ 0.50% · 4.625%
HK$117,407
+HK$5,879/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,056/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,134
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,685
−HK$3,607/mo
Today · 4.125%
HK$121,292
baseline
▲ 0.50% · 4.625%
HK$128,672
+HK$7,380/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$242,584/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,973
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,379
−HK$3,454/mo
Today · 4.125%
HK$133,833
baseline
▲ 0.50% · 4.625%
HK$140,888
+HK$7,055/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$267,666/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,157
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,299
−HK$4,208/mo
Today · 4.125%
HK$141,507
baseline
▲ 0.50% · 4.625%
HK$150,117
+HK$8,610/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$283,014/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,136
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,109
−HK$4,030/mo
Today · 4.125%
HK$156,139
baseline
▲ 0.50% · 4.625%
HK$164,369
+HK$8,230/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$312,278/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,202
−HK$10,735/mo
▼ 0.25% · 3.875%
HK$176,527
−HK$5,410/mo
Today · 4.125%
HK$181,937
baseline
▲ 0.50% · 4.625%
HK$193,008
+HK$11,071/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$363,874/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,460
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$195,568
−HK$5,182/mo
Today · 4.125%
HK$200,750
baseline
▲ 0.50% · 4.625%
HK$211,332
+HK$10,582/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$401,500/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,723 · Scale 2, in force from 26 Feb 2026)