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$95,244
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$98,206
−HK$3,010/mo
Today · 4.125%
HK$101,216
baseline
▲ 0.50% · 4.625%
HK$107,375
+HK$6,159/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$202,432/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,958
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,799
−HK$2,883/mo
Today · 4.125%
HK$111,682
baseline
▲ 0.50% · 4.625%
HK$117,569
+HK$5,887/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$223,364/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,292
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,847
−HK$3,612/mo
Today · 4.125%
HK$121,459
baseline
▲ 0.50% · 4.625%
HK$128,850
+HK$7,391/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$242,918/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,149
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,559
−HK$3,460/mo
Today · 4.125%
HK$134,019
baseline
▲ 0.50% · 4.625%
HK$141,083
+HK$7,064/mo
Deposit HK$16.71M · loan HK$25.06M · min. income ≈ HK$268,038/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,341
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$137,489
−HK$4,214/mo
Today · 4.125%
HK$141,703
baseline
▲ 0.50% · 4.625%
HK$150,325
+HK$8,622/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,406/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,341
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,319
−HK$4,036/mo
Today · 4.125%
HK$156,355
baseline
▲ 0.50% · 4.625%
HK$164,597
+HK$8,242/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,710/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,438
−HK$10,751/mo
▼ 0.25% · 3.875%
HK$176,771
−HK$5,418/mo
Today · 4.125%
HK$182,189
baseline
▲ 0.50% · 4.625%
HK$193,275
+HK$11,086/mo
Deposit HK$4.18M · loan HK$37.59M · min. income ≈ HK$364,378/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,724
−HK$10,304/mo
▼ 0.25% · 3.875%
HK$195,839
−HK$5,189/mo
Today · 4.125%
HK$201,028
baseline
▲ 0.50% · 4.625%
HK$211,624
+HK$10,596/mo
Deposit HK$4.18M · loan HK$37.59M · min. income ≈ HK$402,056/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,175 · Scale 2, in force from 26 Feb 2026)