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$95,061
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,018
−HK$3,004/mo
Today · 4.125%
HK$101,022
baseline
▲ 0.50% · 4.625%
HK$107,169
+HK$6,147/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$202,044/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,754
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,590
−HK$2,878/mo
Today · 4.125%
HK$111,468
baseline
▲ 0.50% · 4.625%
HK$117,343
+HK$5,875/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$222,936/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,073
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,621
−HK$3,605/mo
Today · 4.125%
HK$121,226
baseline
▲ 0.50% · 4.625%
HK$128,603
+HK$7,377/mo
Deposit HK$16.68M · loan HK$25.01M · min. income ≈ HK$242,452/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,905
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$130,308
−HK$3,453/mo
Today · 4.125%
HK$133,761
baseline
▲ 0.50% · 4.625%
HK$140,812
+HK$7,051/mo
Deposit HK$16.68M · loan HK$25.01M · min. income ≈ HK$267,522/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,085
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,225
−HK$4,206/mo
Today · 4.125%
HK$141,431
baseline
▲ 0.50% · 4.625%
HK$150,036
+HK$8,605/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$282,862/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,056
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,027
−HK$4,028/mo
Today · 4.125%
HK$156,055
baseline
▲ 0.50% · 4.625%
HK$164,281
+HK$8,226/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$312,110/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,109
−HK$10,730/mo
▼ 0.25% · 3.875%
HK$176,432
−HK$5,407/mo
Today · 4.125%
HK$181,839
baseline
▲ 0.50% · 4.625%
HK$192,904
+HK$11,065/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$363,678/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,357
−HK$10,285/mo
▼ 0.25% · 3.875%
HK$195,463
−HK$5,179/mo
Today · 4.125%
HK$200,642
baseline
▲ 0.50% · 4.625%
HK$211,218
+HK$10,576/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$401,284/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,766 · Scale 2, in force from 26 Feb 2026)