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$95,016
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,971
−HK$3,003/mo
Today · 4.125%
HK$100,974
baseline
▲ 0.50% · 4.625%
HK$107,118
+HK$6,144/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$201,948/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,704
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,539
−HK$2,876/mo
Today · 4.125%
HK$111,415
baseline
▲ 0.50% · 4.625%
HK$117,288
+HK$5,873/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$222,830/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,019
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,566
−HK$3,603/mo
Today · 4.125%
HK$121,169
baseline
▲ 0.50% · 4.625%
HK$128,542
+HK$7,373/mo
Deposit HK$16.67M · loan HK$25.00M · min. income ≈ HK$242,338/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,845
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,247
−HK$3,451/mo
Today · 4.125%
HK$133,698
baseline
▲ 0.50% · 4.625%
HK$140,746
+HK$7,048/mo
Deposit HK$16.67M · loan HK$25.00M · min. income ≈ HK$267,396/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,022
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$137,160
−HK$4,204/mo
Today · 4.125%
HK$141,364
baseline
▲ 0.50% · 4.625%
HK$149,966
+HK$8,602/mo
Deposit HK$12.50M · loan HK$29.17M · min. income ≈ HK$282,728/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,986
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,955
−HK$4,026/mo
Today · 4.125%
HK$155,981
baseline
▲ 0.50% · 4.625%
HK$164,203
+HK$8,222/mo
Deposit HK$12.50M · loan HK$29.17M · min. income ≈ HK$311,962/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,029
−HK$10,725/mo
▼ 0.25% · 3.875%
HK$176,349
−HK$5,405/mo
Today · 4.125%
HK$181,754
baseline
▲ 0.50% · 4.625%
HK$192,813
+HK$11,059/mo
Deposit HK$4.17M · loan HK$37.50M · min. income ≈ HK$363,508/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,268
−HK$10,279/mo
▼ 0.25% · 3.875%
HK$195,371
−HK$5,176/mo
Today · 4.125%
HK$200,547
baseline
▲ 0.50% · 4.625%
HK$211,118
+HK$10,571/mo
Deposit HK$4.17M · loan HK$37.50M · min. income ≈ HK$401,094/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,932 · Scale 2, in force from 26 Feb 2026)