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$95,286
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,250
−HK$3,011/mo
Today · 4.125%
HK$101,261
baseline
▲ 0.50% · 4.625%
HK$107,423
+HK$6,162/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,522/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,005
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,848
−HK$2,884/mo
Today · 4.125%
HK$111,732
baseline
▲ 0.50% · 4.625%
HK$117,622
+HK$5,890/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,464/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,343
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,900
−HK$3,614/mo
Today · 4.125%
HK$121,514
baseline
▲ 0.50% · 4.625%
HK$128,908
+HK$7,394/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$243,028/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,206
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$130,618
−HK$3,460/mo
Today · 4.125%
HK$134,078
baseline
▲ 0.50% · 4.625%
HK$141,146
+HK$7,068/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,156/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,401
−HK$8,365/mo
▼ 0.25% · 3.875%
HK$137,550
−HK$4,216/mo
Today · 4.125%
HK$141,766
baseline
▲ 0.50% · 4.625%
HK$150,392
+HK$8,626/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$283,532/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,407
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,387
−HK$4,038/mo
Today · 4.125%
HK$156,425
baseline
▲ 0.50% · 4.625%
HK$164,670
+HK$8,245/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$312,850/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,515
−HK$10,756/mo
▼ 0.25% · 3.875%
HK$176,850
−HK$5,421/mo
Today · 4.125%
HK$182,271
baseline
▲ 0.50% · 4.625%
HK$193,361
+HK$11,090/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$364,542/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,809
−HK$10,309/mo
▼ 0.25% · 3.875%
HK$195,926
−HK$5,192/mo
Today · 4.125%
HK$201,118
baseline
▲ 0.50% · 4.625%
HK$211,719
+HK$10,601/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$402,236/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,969 · Scale 2, in force from 26 Feb 2026)