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$95,040
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,996
−HK$3,003/mo
Today · 4.125%
HK$100,999
baseline
▲ 0.50% · 4.625%
HK$107,145
+HK$6,146/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$201,998/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,731
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,566
−HK$2,877/mo
Today · 4.125%
HK$111,443
baseline
▲ 0.50% · 4.625%
HK$117,317
+HK$5,874/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$222,886/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,047
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$117,595
−HK$3,604/mo
Today · 4.125%
HK$121,199
baseline
▲ 0.50% · 4.625%
HK$128,574
+HK$7,375/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$242,398/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,877
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$130,279
−HK$3,452/mo
Today · 4.125%
HK$133,731
baseline
▲ 0.50% · 4.625%
HK$140,781
+HK$7,050/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$267,462/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,055
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$137,194
−HK$4,205/mo
Today · 4.125%
HK$141,399
baseline
▲ 0.50% · 4.625%
HK$150,003
+HK$8,604/mo
Deposit HK$12.50M · loan HK$29.18M · min. income ≈ HK$282,798/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,023
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$151,993
−HK$4,027/mo
Today · 4.125%
HK$156,020
baseline
▲ 0.50% · 4.625%
HK$164,244
+HK$8,224/mo
Deposit HK$12.50M · loan HK$29.18M · min. income ≈ HK$312,040/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,071
−HK$10,728/mo
▼ 0.25% · 3.875%
HK$176,392
−HK$5,407/mo
Today · 4.125%
HK$181,799
baseline
▲ 0.50% · 4.625%
HK$192,861
+HK$11,062/mo
Deposit HK$4.17M · loan HK$37.51M · min. income ≈ HK$363,598/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,315
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$195,419
−HK$5,178/mo
Today · 4.125%
HK$200,597
baseline
▲ 0.50% · 4.625%
HK$211,171
+HK$10,574/mo
Deposit HK$4.17M · loan HK$37.51M · min. income ≈ HK$401,194/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,372 · Scale 2, in force from 26 Feb 2026)