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$95,222
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,184
−HK$3,009/mo
Today · 4.125%
HK$101,193
baseline
▲ 0.50% · 4.625%
HK$107,351
+HK$6,158/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$202,386/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,933
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,775
−HK$2,882/mo
Today · 4.125%
HK$111,657
baseline
▲ 0.50% · 4.625%
HK$117,542
+HK$5,885/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$223,314/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,266
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,821
−HK$3,611/mo
Today · 4.125%
HK$121,432
baseline
▲ 0.50% · 4.625%
HK$128,821
+HK$7,389/mo
Deposit HK$16.70M · loan HK$25.06M · min. income ≈ HK$242,864/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,120
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,529
−HK$3,459/mo
Today · 4.125%
HK$133,988
baseline
▲ 0.50% · 4.625%
HK$141,051
+HK$7,063/mo
Deposit HK$16.70M · loan HK$25.06M · min. income ≈ HK$267,976/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,311
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$137,457
−HK$4,213/mo
Today · 4.125%
HK$141,670
baseline
▲ 0.50% · 4.625%
HK$150,291
+HK$8,621/mo
Deposit HK$12.53M · loan HK$29.23M · min. income ≈ HK$283,340/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,307
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$152,284
−HK$4,035/mo
Today · 4.125%
HK$156,319
baseline
▲ 0.50% · 4.625%
HK$164,559
+HK$8,240/mo
Deposit HK$12.53M · loan HK$29.23M · min. income ≈ HK$312,638/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,399
−HK$10,749/mo
▼ 0.25% · 3.875%
HK$176,731
−HK$5,417/mo
Today · 4.125%
HK$182,148
baseline
▲ 0.50% · 4.625%
HK$193,231
+HK$11,083/mo
Deposit HK$4.18M · loan HK$37.58M · min. income ≈ HK$364,296/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,680
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$195,794
−HK$5,188/mo
Today · 4.125%
HK$200,982
baseline
▲ 0.50% · 4.625%
HK$211,576
+HK$10,594/mo
Deposit HK$4.18M · loan HK$37.58M · min. income ≈ HK$401,964/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,771 · Scale 2, in force from 26 Feb 2026)