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$95,283
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,247
−HK$3,012/mo
Today · 4.125%
HK$101,259
baseline
▲ 0.50% · 4.625%
HK$107,420
+HK$6,161/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,518/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,002
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,845
−HK$2,884/mo
Today · 4.125%
HK$111,729
baseline
▲ 0.50% · 4.625%
HK$117,618
+HK$5,889/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,458/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,340
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$117,897
−HK$3,613/mo
Today · 4.125%
HK$121,510
baseline
▲ 0.50% · 4.625%
HK$128,904
+HK$7,394/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$243,020/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,202
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,614
−HK$3,461/mo
Today · 4.125%
HK$134,075
baseline
▲ 0.50% · 4.625%
HK$141,142
+HK$7,067/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,150/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,397
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$137,546
−HK$4,216/mo
Today · 4.125%
HK$141,762
baseline
▲ 0.50% · 4.625%
HK$150,388
+HK$8,626/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$283,524/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,403
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$152,383
−HK$4,037/mo
Today · 4.125%
HK$156,420
baseline
▲ 0.50% · 4.625%
HK$164,665
+HK$8,245/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$312,840/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,510
−HK$10,755/mo
▼ 0.25% · 3.875%
HK$176,845
−HK$5,420/mo
Today · 4.125%
HK$182,265
baseline
▲ 0.50% · 4.625%
HK$193,356
+HK$11,091/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$364,530/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,803
−HK$10,309/mo
▼ 0.25% · 3.875%
HK$195,921
−HK$5,191/mo
Today · 4.125%
HK$201,112
baseline
▲ 0.50% · 4.625%
HK$211,713
+HK$10,601/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$402,224/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,917 · Scale 2, in force from 26 Feb 2026)