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$95,152
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,112
−HK$3,007/mo
Today · 4.125%
HK$101,119
baseline
▲ 0.50% · 4.625%
HK$107,272
+HK$6,153/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,238/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,856
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,695
−HK$2,880/mo
Today · 4.125%
HK$111,575
baseline
▲ 0.50% · 4.625%
HK$117,456
+HK$5,881/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,150/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,183
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,734
−HK$3,609/mo
Today · 4.125%
HK$121,343
baseline
▲ 0.50% · 4.625%
HK$128,726
+HK$7,383/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$242,686/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,027
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,434
−HK$3,456/mo
Today · 4.125%
HK$133,890
baseline
▲ 0.50% · 4.625%
HK$140,947
+HK$7,057/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$267,780/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,213
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$137,357
−HK$4,210/mo
Today · 4.125%
HK$141,567
baseline
▲ 0.50% · 4.625%
HK$150,181
+HK$8,614/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$283,134/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,198
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$152,173
−HK$4,032/mo
Today · 4.125%
HK$156,205
baseline
▲ 0.50% · 4.625%
HK$164,439
+HK$8,234/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$312,410/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,274
−HK$10,740/mo
▼ 0.25% · 3.875%
HK$176,601
−HK$5,413/mo
Today · 4.125%
HK$182,014
baseline
▲ 0.50% · 4.625%
HK$193,089
+HK$11,075/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$364,028/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,541
−HK$10,294/mo
▼ 0.25% · 3.875%
HK$195,651
−HK$5,184/mo
Today · 4.125%
HK$200,835
baseline
▲ 0.50% · 4.625%
HK$211,421
+HK$10,586/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$401,670/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,471 · Scale 2, in force from 26 Feb 2026)