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$95,081
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,039
−HK$3,005/mo
Today · 4.125%
HK$101,044
baseline
▲ 0.50% · 4.625%
HK$107,192
+HK$6,148/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,088/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,777
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,614
−HK$2,878/mo
Today · 4.125%
HK$111,492
baseline
▲ 0.50% · 4.625%
HK$117,369
+HK$5,877/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$222,984/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,098
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,647
−HK$3,606/mo
Today · 4.125%
HK$121,253
baseline
▲ 0.50% · 4.625%
HK$128,631
+HK$7,378/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,506/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,933
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,337
−HK$3,453/mo
Today · 4.125%
HK$133,790
baseline
▲ 0.50% · 4.625%
HK$140,843
+HK$7,053/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,580/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,114
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,255
−HK$4,207/mo
Today · 4.125%
HK$141,462
baseline
▲ 0.50% · 4.625%
HK$150,069
+HK$8,607/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,924/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,088
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,060
−HK$4,029/mo
Today · 4.125%
HK$156,089
baseline
▲ 0.50% · 4.625%
HK$164,316
+HK$8,227/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,178/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,147
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$176,470
−HK$5,409/mo
Today · 4.125%
HK$181,879
baseline
▲ 0.50% · 4.625%
HK$192,946
+HK$11,067/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$363,758/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,399
−HK$10,287/mo
▼ 0.25% · 3.875%
HK$195,505
−HK$5,181/mo
Today · 4.125%
HK$200,686
baseline
▲ 0.50% · 4.625%
HK$211,264
+HK$10,578/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$401,372/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,153 · Scale 2, in force from 26 Feb 2026)