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$95,086
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,043
−HK$3,005/mo
Today · 4.125%
HK$101,048
baseline
▲ 0.50% · 4.625%
HK$107,197
+HK$6,149/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,096/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,782
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,619
−HK$2,878/mo
Today · 4.125%
HK$111,497
baseline
▲ 0.50% · 4.625%
HK$117,374
+HK$5,877/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$222,994/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,103
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,652
−HK$3,606/mo
Today · 4.125%
HK$121,258
baseline
▲ 0.50% · 4.625%
HK$128,636
+HK$7,378/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,516/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,938
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,343
−HK$3,453/mo
Today · 4.125%
HK$133,796
baseline
▲ 0.50% · 4.625%
HK$140,849
+HK$7,053/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,592/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,120
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,261
−HK$4,207/mo
Today · 4.125%
HK$141,468
baseline
▲ 0.50% · 4.625%
HK$150,076
+HK$8,608/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,936/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,095
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,066
−HK$4,030/mo
Today · 4.125%
HK$156,096
baseline
▲ 0.50% · 4.625%
HK$164,324
+HK$8,228/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,192/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,154
−HK$10,733/mo
▼ 0.25% · 3.875%
HK$176,478
−HK$5,409/mo
Today · 4.125%
HK$181,887
baseline
▲ 0.50% · 4.625%
HK$192,955
+HK$11,068/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$363,774/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,407
−HK$10,288/mo
▼ 0.25% · 3.875%
HK$195,514
−HK$5,181/mo
Today · 4.125%
HK$200,695
baseline
▲ 0.50% · 4.625%
HK$211,273
+HK$10,578/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$401,390/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,232 · Scale 2, in force from 26 Feb 2026)