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$95,187
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,148
−HK$3,008/mo
Today · 4.125%
HK$101,156
baseline
▲ 0.50% · 4.625%
HK$107,311
+HK$6,155/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,312/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,895
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,735
−HK$2,881/mo
Today · 4.125%
HK$111,616
baseline
▲ 0.50% · 4.625%
HK$117,499
+HK$5,883/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,232/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,225
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,778
−HK$3,610/mo
Today · 4.125%
HK$121,388
baseline
▲ 0.50% · 4.625%
HK$128,774
+HK$7,386/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$242,776/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,074
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,482
−HK$3,457/mo
Today · 4.125%
HK$133,939
baseline
▲ 0.50% · 4.625%
HK$140,999
+HK$7,060/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$267,878/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,262
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$137,407
−HK$4,212/mo
Today · 4.125%
HK$141,619
baseline
▲ 0.50% · 4.625%
HK$150,236
+HK$8,617/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$283,238/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,253
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$152,229
−HK$4,033/mo
Today · 4.125%
HK$156,262
baseline
▲ 0.50% · 4.625%
HK$164,499
+HK$8,237/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$312,524/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,337
−HK$10,744/mo
▼ 0.25% · 3.875%
HK$176,667
−HK$5,414/mo
Today · 4.125%
HK$182,081
baseline
▲ 0.50% · 4.625%
HK$193,161
+HK$11,080/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$364,162/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,611
−HK$10,298/mo
▼ 0.25% · 3.875%
HK$195,723
−HK$5,186/mo
Today · 4.125%
HK$200,909
baseline
▲ 0.50% · 4.625%
HK$211,499
+HK$10,590/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$401,818/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,124 · Scale 2, in force from 26 Feb 2026)