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$95,269
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,233
−HK$3,011/mo
Today · 4.125%
HK$101,244
baseline
▲ 0.50% · 4.625%
HK$107,404
+HK$6,160/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,488/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,986
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,829
−HK$2,883/mo
Today · 4.125%
HK$111,712
baseline
▲ 0.50% · 4.625%
HK$117,601
+HK$5,889/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,424/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,323
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,879
−HK$3,613/mo
Today · 4.125%
HK$121,492
baseline
▲ 0.50% · 4.625%
HK$128,885
+HK$7,393/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,984/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,184
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,595
−HK$3,460/mo
Today · 4.125%
HK$134,055
baseline
▲ 0.50% · 4.625%
HK$141,121
+HK$7,066/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,110/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,377
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$137,526
−HK$4,215/mo
Today · 4.125%
HK$141,741
baseline
▲ 0.50% · 4.625%
HK$150,366
+HK$8,625/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$283,482/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,381
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,360
−HK$4,037/mo
Today · 4.125%
HK$156,397
baseline
▲ 0.50% · 4.625%
HK$164,641
+HK$8,244/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$312,794/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,485
−HK$10,754/mo
▼ 0.25% · 3.875%
HK$176,819
−HK$5,420/mo
Today · 4.125%
HK$182,239
baseline
▲ 0.50% · 4.625%
HK$193,327
+HK$11,088/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,478/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,775
−HK$10,307/mo
▼ 0.25% · 3.875%
HK$195,892
−HK$5,190/mo
Today · 4.125%
HK$201,082
baseline
▲ 0.50% · 4.625%
HK$211,682
+HK$10,600/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,164/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,657 · Scale 2, in force from 26 Feb 2026)