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$95,108
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,066
−HK$3,006/mo
Today · 4.125%
HK$101,072
baseline
▲ 0.50% · 4.625%
HK$107,222
+HK$6,150/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,144/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,806
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,644
−HK$2,879/mo
Today · 4.125%
HK$111,523
baseline
▲ 0.50% · 4.625%
HK$117,401
+HK$5,878/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$223,046/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,129
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,679
−HK$3,607/mo
Today · 4.125%
HK$121,286
baseline
▲ 0.50% · 4.625%
HK$128,666
+HK$7,380/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$242,572/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,968
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,373
−HK$3,454/mo
Today · 4.125%
HK$133,827
baseline
▲ 0.50% · 4.625%
HK$140,882
+HK$7,055/mo
Deposit HK$16.68M · loan HK$25.03M · min. income ≈ HK$267,654/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,151
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,293
−HK$4,207/mo
Today · 4.125%
HK$141,500
baseline
▲ 0.50% · 4.625%
HK$150,110
+HK$8,610/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$283,000/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,129
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,102
−HK$4,030/mo
Today · 4.125%
HK$156,132
baseline
▲ 0.50% · 4.625%
HK$164,362
+HK$8,230/mo
Deposit HK$12.51M · loan HK$29.20M · min. income ≈ HK$312,264/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,194
−HK$10,735/mo
▼ 0.25% · 3.875%
HK$176,519
−HK$5,410/mo
Today · 4.125%
HK$181,929
baseline
▲ 0.50% · 4.625%
HK$192,999
+HK$11,070/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$363,858/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,451
−HK$10,290/mo
▼ 0.25% · 3.875%
HK$195,559
−HK$5,182/mo
Today · 4.125%
HK$200,741
baseline
▲ 0.50% · 4.625%
HK$211,322
+HK$10,581/mo
Deposit HK$4.17M · loan HK$37.54M · min. income ≈ HK$401,482/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,642 · Scale 2, in force from 26 Feb 2026)