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$94,991
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,946
−HK$3,002/mo
Today · 4.125%
HK$100,948
baseline
▲ 0.50% · 4.625%
HK$107,090
+HK$6,142/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$201,896/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,677
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,511
−HK$2,875/mo
Today · 4.125%
HK$111,386
baseline
▲ 0.50% · 4.625%
HK$117,257
+HK$5,871/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$222,772/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,989
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$117,535
−HK$3,602/mo
Today · 4.125%
HK$121,137
baseline
▲ 0.50% · 4.625%
HK$128,508
+HK$7,371/mo
Deposit HK$16.66M · loan HK$24.99M · min. income ≈ HK$242,274/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,812
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$130,213
−HK$3,450/mo
Today · 4.125%
HK$133,663
baseline
▲ 0.50% · 4.625%
HK$140,709
+HK$7,046/mo
Deposit HK$16.66M · loan HK$24.99M · min. income ≈ HK$267,326/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,988
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,124
−HK$4,203/mo
Today · 4.125%
HK$141,327
baseline
▲ 0.50% · 4.625%
HK$149,926
+HK$8,599/mo
Deposit HK$12.50M · loan HK$29.16M · min. income ≈ HK$282,654/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,947
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$151,915
−HK$4,025/mo
Today · 4.125%
HK$155,940
baseline
▲ 0.50% · 4.625%
HK$164,160
+HK$8,220/mo
Deposit HK$12.50M · loan HK$29.16M · min. income ≈ HK$311,880/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,984
−HK$10,722/mo
▼ 0.25% · 3.875%
HK$176,302
−HK$5,404/mo
Today · 4.125%
HK$181,706
baseline
▲ 0.50% · 4.625%
HK$192,763
+HK$11,057/mo
Deposit HK$4.17M · loan HK$37.49M · min. income ≈ HK$363,412/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,218
−HK$10,277/mo
▼ 0.25% · 3.875%
HK$195,319
−HK$5,176/mo
Today · 4.125%
HK$200,495
baseline
▲ 0.50% · 4.625%
HK$211,063
+HK$10,568/mo
Deposit HK$4.17M · loan HK$37.49M · min. income ≈ HK$400,990/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,468 · Scale 2, in force from 26 Feb 2026)