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$95,123
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,082
−HK$3,006/mo
Today · 4.125%
HK$101,088
baseline
▲ 0.50% · 4.625%
HK$107,239
+HK$6,151/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,176/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,824
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,662
−HK$2,879/mo
Today · 4.125%
HK$111,541
baseline
▲ 0.50% · 4.625%
HK$117,420
+HK$5,879/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,082/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,148
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,699
−HK$3,607/mo
Today · 4.125%
HK$121,306
baseline
▲ 0.50% · 4.625%
HK$128,687
+HK$7,381/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$242,612/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,988
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,394
−HK$3,455/mo
Today · 4.125%
HK$133,849
baseline
▲ 0.50% · 4.625%
HK$140,905
+HK$7,056/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$267,698/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,173
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,315
−HK$4,209/mo
Today · 4.125%
HK$141,524
baseline
▲ 0.50% · 4.625%
HK$150,135
+HK$8,611/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$283,048/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,153
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$152,127
−HK$4,030/mo
Today · 4.125%
HK$156,157
baseline
▲ 0.50% · 4.625%
HK$164,389
+HK$8,232/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$312,314/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,222
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$176,548
−HK$5,411/mo
Today · 4.125%
HK$181,959
baseline
▲ 0.50% · 4.625%
HK$193,031
+HK$11,072/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$363,918/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,483
−HK$10,291/mo
▼ 0.25% · 3.875%
HK$195,591
−HK$5,183/mo
Today · 4.125%
HK$200,774
baseline
▲ 0.50% · 4.625%
HK$211,357
+HK$10,583/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$401,548/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,932 · Scale 2, in force from 26 Feb 2026)