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$95,150
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,110
−HK$3,007/mo
Today · 4.125%
HK$101,117
baseline
▲ 0.50% · 4.625%
HK$107,270
+HK$6,153/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,234/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,854
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,693
−HK$2,880/mo
Today · 4.125%
HK$111,573
baseline
▲ 0.50% · 4.625%
HK$117,454
+HK$5,881/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,146/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,180
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,732
−HK$3,609/mo
Today · 4.125%
HK$121,341
baseline
▲ 0.50% · 4.625%
HK$128,724
+HK$7,383/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$242,682/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,025
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,431
−HK$3,456/mo
Today · 4.125%
HK$133,887
baseline
▲ 0.50% · 4.625%
HK$140,945
+HK$7,058/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$267,774/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,211
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$137,354
−HK$4,210/mo
Today · 4.125%
HK$141,564
baseline
▲ 0.50% · 4.625%
HK$150,178
+HK$8,614/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$283,128/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,195
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$152,170
−HK$4,032/mo
Today · 4.125%
HK$156,202
baseline
▲ 0.50% · 4.625%
HK$164,436
+HK$8,234/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$312,404/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,271
−HK$10,740/mo
▼ 0.25% · 3.875%
HK$176,598
−HK$5,413/mo
Today · 4.125%
HK$182,011
baseline
▲ 0.50% · 4.625%
HK$193,086
+HK$11,075/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$364,022/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,537
−HK$10,294/mo
▼ 0.25% · 3.875%
HK$195,647
−HK$5,184/mo
Today · 4.125%
HK$200,831
baseline
▲ 0.50% · 4.625%
HK$211,417
+HK$10,586/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$401,662/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,437 · Scale 2, in force from 26 Feb 2026)