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$95,040
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$97,997
−HK$3,003/mo
Today · 4.125%
HK$101,000
baseline
▲ 0.50% · 4.625%
HK$107,146
+HK$6,146/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$202,000/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,732
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,567
−HK$2,877/mo
Today · 4.125%
HK$111,444
baseline
▲ 0.50% · 4.625%
HK$117,318
+HK$5,874/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$222,888/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,049
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$117,596
−HK$3,604/mo
Today · 4.125%
HK$121,200
baseline
▲ 0.50% · 4.625%
HK$128,575
+HK$7,375/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$242,400/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,878
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$130,281
−HK$3,452/mo
Today · 4.125%
HK$133,733
baseline
▲ 0.50% · 4.625%
HK$140,782
+HK$7,049/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$267,466/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,057
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$137,195
−HK$4,205/mo
Today · 4.125%
HK$141,400
baseline
▲ 0.50% · 4.625%
HK$150,004
+HK$8,604/mo
Deposit HK$12.50M · loan HK$29.18M · min. income ≈ HK$282,800/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,024
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$151,994
−HK$4,027/mo
Today · 4.125%
HK$156,021
baseline
▲ 0.50% · 4.625%
HK$164,246
+HK$8,225/mo
Deposit HK$12.50M · loan HK$29.18M · min. income ≈ HK$312,042/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,073
−HK$10,728/mo
▼ 0.25% · 3.875%
HK$176,394
−HK$5,407/mo
Today · 4.125%
HK$181,801
baseline
▲ 0.50% · 4.625%
HK$192,863
+HK$11,062/mo
Deposit HK$4.17M · loan HK$37.51M · min. income ≈ HK$363,602/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,317
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$195,421
−HK$5,178/mo
Today · 4.125%
HK$200,599
baseline
▲ 0.50% · 4.625%
HK$211,173
+HK$10,574/mo
Deposit HK$4.17M · loan HK$37.51M · min. income ≈ HK$401,198/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,388 · Scale 2, in force from 26 Feb 2026)