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$95,067
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,024
−HK$3,005/mo
Today · 4.125%
HK$101,029
baseline
▲ 0.50% · 4.625%
HK$107,176
+HK$6,147/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,058/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,761
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,598
−HK$2,877/mo
Today · 4.125%
HK$111,475
baseline
▲ 0.50% · 4.625%
HK$117,351
+HK$5,876/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$222,950/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,080
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,629
−HK$3,605/mo
Today · 4.125%
HK$121,234
baseline
▲ 0.50% · 4.625%
HK$128,611
+HK$7,377/mo
Deposit HK$16.68M · loan HK$25.01M · min. income ≈ HK$242,468/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,913
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,317
−HK$3,453/mo
Today · 4.125%
HK$133,770
baseline
▲ 0.50% · 4.625%
HK$140,821
+HK$7,051/mo
Deposit HK$16.68M · loan HK$25.01M · min. income ≈ HK$267,540/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,094
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,234
−HK$4,206/mo
Today · 4.125%
HK$141,440
baseline
▲ 0.50% · 4.625%
HK$150,046
+HK$8,606/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$282,880/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,066
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,037
−HK$4,028/mo
Today · 4.125%
HK$156,065
baseline
▲ 0.50% · 4.625%
HK$164,291
+HK$8,226/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$312,130/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,121
−HK$10,730/mo
▼ 0.25% · 3.875%
HK$176,443
−HK$5,408/mo
Today · 4.125%
HK$181,851
baseline
▲ 0.50% · 4.625%
HK$192,917
+HK$11,066/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$363,702/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,370
−HK$10,285/mo
▼ 0.25% · 3.875%
HK$195,476
−HK$5,179/mo
Today · 4.125%
HK$200,655
baseline
▲ 0.50% · 4.625%
HK$211,232
+HK$10,577/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$401,310/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,884 · Scale 2, in force from 26 Feb 2026)