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$95,182
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,142
−HK$3,008/mo
Today · 4.125%
HK$101,150
baseline
▲ 0.50% · 4.625%
HK$107,305
+HK$6,155/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,300/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,889
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,728
−HK$2,881/mo
Today · 4.125%
HK$111,609
baseline
▲ 0.50% · 4.625%
HK$117,492
+HK$5,883/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,218/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,218
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$117,771
−HK$3,609/mo
Today · 4.125%
HK$121,380
baseline
▲ 0.50% · 4.625%
HK$128,766
+HK$7,386/mo
Deposit HK$16.70M · loan HK$25.04M · min. income ≈ HK$242,760/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,066
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,474
−HK$3,457/mo
Today · 4.125%
HK$133,931
baseline
▲ 0.50% · 4.625%
HK$140,991
+HK$7,060/mo
Deposit HK$16.70M · loan HK$25.04M · min. income ≈ HK$267,862/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,254
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$137,399
−HK$4,211/mo
Today · 4.125%
HK$141,610
baseline
▲ 0.50% · 4.625%
HK$150,227
+HK$8,617/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$283,220/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,244
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$152,220
−HK$4,033/mo
Today · 4.125%
HK$156,253
baseline
▲ 0.50% · 4.625%
HK$164,489
+HK$8,236/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$312,506/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,327
−HK$10,744/mo
▼ 0.25% · 3.875%
HK$176,656
−HK$5,415/mo
Today · 4.125%
HK$182,071
baseline
▲ 0.50% · 4.625%
HK$193,149
+HK$11,078/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$364,142/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,599
−HK$10,298/mo
▼ 0.25% · 3.875%
HK$195,711
−HK$5,186/mo
Today · 4.125%
HK$200,897
baseline
▲ 0.50% · 4.625%
HK$211,486
+HK$10,589/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$401,794/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,019 · Scale 2, in force from 26 Feb 2026)