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$95,262
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,225
−HK$3,011/mo
Today · 4.125%
HK$101,236
baseline
▲ 0.50% · 4.625%
HK$107,396
+HK$6,160/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,472/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,978
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,820
−HK$2,884/mo
Today · 4.125%
HK$111,704
baseline
▲ 0.50% · 4.625%
HK$117,592
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,408/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,315
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,870
−HK$3,613/mo
Today · 4.125%
HK$121,483
baseline
▲ 0.50% · 4.625%
HK$128,875
+HK$7,392/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,966/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,174
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,585
−HK$3,460/mo
Today · 4.125%
HK$134,045
baseline
▲ 0.50% · 4.625%
HK$141,110
+HK$7,065/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,090/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,367
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,515
−HK$4,215/mo
Today · 4.125%
HK$141,730
baseline
▲ 0.50% · 4.625%
HK$150,354
+HK$8,624/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,460/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,369
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,349
−HK$4,036/mo
Today · 4.125%
HK$156,385
baseline
▲ 0.50% · 4.625%
HK$164,629
+HK$8,244/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,770/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,472
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,806
−HK$5,419/mo
Today · 4.125%
HK$182,225
baseline
▲ 0.50% · 4.625%
HK$193,313
+HK$11,088/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,450/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,761
−HK$10,306/mo
▼ 0.25% · 3.875%
HK$195,877
−HK$5,190/mo
Today · 4.125%
HK$201,067
baseline
▲ 0.50% · 4.625%
HK$211,665
+HK$10,598/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,134/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,520 · Scale 2, in force from 26 Feb 2026)