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$95,214
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,175
−HK$3,009/mo
Today · 4.125%
HK$101,184
baseline
▲ 0.50% · 4.625%
HK$107,341
+HK$6,157/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$202,368/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,924
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$108,765
−HK$2,882/mo
Today · 4.125%
HK$111,647
baseline
▲ 0.50% · 4.625%
HK$117,532
+HK$5,885/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$223,294/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,256
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$117,810
−HK$3,611/mo
Today · 4.125%
HK$121,421
baseline
▲ 0.50% · 4.625%
HK$128,809
+HK$7,388/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$242,842/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,109
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,518
−HK$3,458/mo
Today · 4.125%
HK$133,976
baseline
▲ 0.50% · 4.625%
HK$141,038
+HK$7,062/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$267,952/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,299
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$137,445
−HK$4,213/mo
Today · 4.125%
HK$141,658
baseline
▲ 0.50% · 4.625%
HK$150,278
+HK$8,620/mo
Deposit HK$12.53M · loan HK$29.23M · min. income ≈ HK$283,316/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,294
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$152,271
−HK$4,035/mo
Today · 4.125%
HK$156,306
baseline
▲ 0.50% · 4.625%
HK$164,545
+HK$8,239/mo
Deposit HK$12.53M · loan HK$29.23M · min. income ≈ HK$312,612/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,384
−HK$10,748/mo
▼ 0.25% · 3.875%
HK$176,715
−HK$5,417/mo
Today · 4.125%
HK$182,132
baseline
▲ 0.50% · 4.625%
HK$193,214
+HK$11,082/mo
Deposit HK$4.18M · loan HK$37.58M · min. income ≈ HK$364,264/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,663
−HK$10,301/mo
▼ 0.25% · 3.875%
HK$195,777
−HK$5,187/mo
Today · 4.125%
HK$200,964
baseline
▲ 0.50% · 4.625%
HK$211,557
+HK$10,593/mo
Deposit HK$4.18M · loan HK$37.58M · min. income ≈ HK$401,928/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,615 · Scale 2, in force from 26 Feb 2026)