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$95,186
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,147
−HK$3,008/mo
Today · 4.125%
HK$101,155
baseline
▲ 0.50% · 4.625%
HK$107,310
+HK$6,155/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,310/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,893
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,733
−HK$2,881/mo
Today · 4.125%
HK$111,614
baseline
▲ 0.50% · 4.625%
HK$117,498
+HK$5,884/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,228/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,223
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,776
−HK$3,610/mo
Today · 4.125%
HK$121,386
baseline
▲ 0.50% · 4.625%
HK$128,772
+HK$7,386/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$242,772/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,072
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,480
−HK$3,457/mo
Today · 4.125%
HK$133,937
baseline
▲ 0.50% · 4.625%
HK$140,997
+HK$7,060/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$267,874/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,260
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$137,405
−HK$4,212/mo
Today · 4.125%
HK$141,617
baseline
▲ 0.50% · 4.625%
HK$150,234
+HK$8,617/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$283,234/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,251
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$152,227
−HK$4,033/mo
Today · 4.125%
HK$156,260
baseline
▲ 0.50% · 4.625%
HK$164,497
+HK$8,237/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$312,520/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,335
−HK$10,744/mo
▼ 0.25% · 3.875%
HK$176,664
−HK$5,415/mo
Today · 4.125%
HK$182,079
baseline
▲ 0.50% · 4.625%
HK$193,158
+HK$11,079/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$364,158/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,608
−HK$10,298/mo
▼ 0.25% · 3.875%
HK$195,720
−HK$5,186/mo
Today · 4.125%
HK$200,906
baseline
▲ 0.50% · 4.625%
HK$211,496
+HK$10,590/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$401,812/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,099 · Scale 2, in force from 26 Feb 2026)