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$95,368
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,334
−HK$3,014/mo
Today · 4.125%
HK$101,348
baseline
▲ 0.50% · 4.625%
HK$107,515
+HK$6,167/mo
Deposit HK$20.91M · loan HK$20.91M · min. income ≈ HK$202,696/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,096
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,941
−HK$2,887/mo
Today · 4.125%
HK$111,828
baseline
▲ 0.50% · 4.625%
HK$117,722
+HK$5,894/mo
Deposit HK$20.91M · loan HK$20.91M · min. income ≈ HK$223,656/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,441
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,001
−HK$3,617/mo
Today · 4.125%
HK$121,618
baseline
▲ 0.50% · 4.625%
HK$129,018
+HK$7,400/mo
Deposit HK$16.73M · loan HK$25.09M · min. income ≈ HK$243,236/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,315
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$130,729
−HK$3,464/mo
Today · 4.125%
HK$134,193
baseline
▲ 0.50% · 4.625%
HK$141,267
+HK$7,074/mo
Deposit HK$16.73M · loan HK$25.09M · min. income ≈ HK$268,386/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,515
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$137,668
−HK$4,219/mo
Today · 4.125%
HK$141,887
baseline
▲ 0.50% · 4.625%
HK$150,521
+HK$8,634/mo
Deposit HK$12.55M · loan HK$29.28M · min. income ≈ HK$283,774/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,534
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,517
−HK$4,042/mo
Today · 4.125%
HK$156,559
baseline
▲ 0.50% · 4.625%
HK$164,811
+HK$8,252/mo
Deposit HK$12.55M · loan HK$29.28M · min. income ≈ HK$313,118/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,662
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$177,001
−HK$5,425/mo
Today · 4.125%
HK$182,426
baseline
▲ 0.50% · 4.625%
HK$193,527
+HK$11,101/mo
Deposit HK$4.18M · loan HK$37.64M · min. income ≈ HK$364,852/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,972
−HK$10,318/mo
▼ 0.25% · 3.875%
HK$196,094
−HK$5,196/mo
Today · 4.125%
HK$201,290
baseline
▲ 0.50% · 4.625%
HK$211,900
+HK$10,610/mo
Deposit HK$4.18M · loan HK$37.64M · min. income ≈ HK$402,580/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,777,487 · Scale 2, in force from 26 Feb 2026)