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$95,277
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,241
−HK$3,011/mo
Today · 4.125%
HK$101,252
baseline
▲ 0.50% · 4.625%
HK$107,413
+HK$6,161/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,504/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,995
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,838
−HK$2,884/mo
Today · 4.125%
HK$111,722
baseline
▲ 0.50% · 4.625%
HK$117,611
+HK$5,889/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,444/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,333
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$117,889
−HK$3,614/mo
Today · 4.125%
HK$121,503
baseline
▲ 0.50% · 4.625%
HK$128,896
+HK$7,393/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$243,006/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,194
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$130,605
−HK$3,461/mo
Today · 4.125%
HK$134,066
baseline
▲ 0.50% · 4.625%
HK$141,133
+HK$7,067/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,132/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,388
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$137,537
−HK$4,216/mo
Today · 4.125%
HK$141,753
baseline
▲ 0.50% · 4.625%
HK$150,378
+HK$8,625/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$283,506/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,393
−HK$8,017/mo
▼ 0.25% · 3.875%
HK$152,373
−HK$4,037/mo
Today · 4.125%
HK$156,410
baseline
▲ 0.50% · 4.625%
HK$164,655
+HK$8,245/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$312,820/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,499
−HK$10,755/mo
▼ 0.25% · 3.875%
HK$176,834
−HK$5,420/mo
Today · 4.125%
HK$182,254
baseline
▲ 0.50% · 4.625%
HK$193,344
+HK$11,090/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$364,508/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,791
−HK$10,308/mo
▼ 0.25% · 3.875%
HK$195,908
−HK$5,191/mo
Today · 4.125%
HK$201,099
baseline
▲ 0.50% · 4.625%
HK$211,699
+HK$10,600/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$402,198/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,805 · Scale 2, in force from 26 Feb 2026)