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$95,130
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,089
−HK$3,007/mo
Today · 4.125%
HK$101,096
baseline
▲ 0.50% · 4.625%
HK$107,247
+HK$6,151/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,192/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,831
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,670
−HK$2,879/mo
Today · 4.125%
HK$111,549
baseline
▲ 0.50% · 4.625%
HK$117,429
+HK$5,880/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,098/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,156
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$117,707
−HK$3,608/mo
Today · 4.125%
HK$121,315
baseline
▲ 0.50% · 4.625%
HK$128,696
+HK$7,381/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$242,630/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,997
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,403
−HK$3,456/mo
Today · 4.125%
HK$133,859
baseline
▲ 0.50% · 4.625%
HK$140,915
+HK$7,056/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$267,718/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,182
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,325
−HK$4,209/mo
Today · 4.125%
HK$141,534
baseline
▲ 0.50% · 4.625%
HK$150,146
+HK$8,612/mo
Deposit HK$12.52M · loan HK$29.20M · min. income ≈ HK$283,068/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,164
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,137
−HK$4,032/mo
Today · 4.125%
HK$156,169
baseline
▲ 0.50% · 4.625%
HK$164,400
+HK$8,231/mo
Deposit HK$12.52M · loan HK$29.20M · min. income ≈ HK$312,338/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,234
−HK$10,738/mo
▼ 0.25% · 3.875%
HK$176,560
−HK$5,412/mo
Today · 4.125%
HK$181,972
baseline
▲ 0.50% · 4.625%
HK$193,045
+HK$11,073/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$363,944/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,496
−HK$10,292/mo
▼ 0.25% · 3.875%
HK$195,605
−HK$5,183/mo
Today · 4.125%
HK$200,788
baseline
▲ 0.50% · 4.625%
HK$211,372
+HK$10,584/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$401,576/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,773,059 · Scale 2, in force from 26 Feb 2026)