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$94,972
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,926
−HK$3,002/mo
Today · 4.125%
HK$100,928
baseline
▲ 0.50% · 4.625%
HK$107,069
+HK$6,141/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,856/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,656
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,489
−HK$2,875/mo
Today · 4.125%
HK$111,364
baseline
▲ 0.50% · 4.625%
HK$117,234
+HK$5,870/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,728/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,967
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$117,512
−HK$3,601/mo
Today · 4.125%
HK$121,113
baseline
▲ 0.50% · 4.625%
HK$128,483
+HK$7,370/mo
Deposit HK$16.66M · loan HK$24.99M · min. income ≈ HK$242,226/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,787
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,187
−HK$3,450/mo
Today · 4.125%
HK$133,637
baseline
▲ 0.50% · 4.625%
HK$140,681
+HK$7,044/mo
Deposit HK$16.66M · loan HK$24.99M · min. income ≈ HK$267,274/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,961
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,097
−HK$4,202/mo
Today · 4.125%
HK$141,299
baseline
▲ 0.50% · 4.625%
HK$149,896
+HK$8,597/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$282,598/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,918
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$151,885
−HK$4,024/mo
Today · 4.125%
HK$155,909
baseline
▲ 0.50% · 4.625%
HK$164,127
+HK$8,218/mo
Deposit HK$12.49M · loan HK$29.15M · min. income ≈ HK$311,818/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,950
−HK$10,720/mo
▼ 0.25% · 3.875%
HK$176,267
−HK$5,403/mo
Today · 4.125%
HK$181,670
baseline
▲ 0.50% · 4.625%
HK$192,724
+HK$11,054/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$363,340/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,180
−HK$10,275/mo
▼ 0.25% · 3.875%
HK$195,280
−HK$5,175/mo
Today · 4.125%
HK$200,455
baseline
▲ 0.50% · 4.625%
HK$211,021
+HK$10,566/mo
Deposit HK$4.16M · loan HK$37.48M · min. income ≈ HK$400,910/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,115 · Scale 2, in force from 26 Feb 2026)