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$95,000
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,955
−HK$3,002/mo
Today · 4.125%
HK$100,957
baseline
▲ 0.50% · 4.625%
HK$107,100
+HK$6,143/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$201,914/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,686
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$108,521
−HK$2,875/mo
Today · 4.125%
HK$111,396
baseline
▲ 0.50% · 4.625%
HK$117,268
+HK$5,872/mo
Deposit HK$20.83M · loan HK$20.83M · min. income ≈ HK$222,792/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,000
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,546
−HK$3,603/mo
Today · 4.125%
HK$121,149
baseline
▲ 0.50% · 4.625%
HK$128,520
+HK$7,371/mo
Deposit HK$16.66M · loan HK$25.00M · min. income ≈ HK$242,298/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,824
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,225
−HK$3,451/mo
Today · 4.125%
HK$133,676
baseline
▲ 0.50% · 4.625%
HK$140,722
+HK$7,046/mo
Deposit HK$16.66M · loan HK$25.00M · min. income ≈ HK$267,352/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,000
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,137
−HK$4,203/mo
Today · 4.125%
HK$141,340
baseline
▲ 0.50% · 4.625%
HK$149,940
+HK$8,600/mo
Deposit HK$12.50M · loan HK$29.16M · min. income ≈ HK$282,680/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,961
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,929
−HK$4,026/mo
Today · 4.125%
HK$155,955
baseline
▲ 0.50% · 4.625%
HK$164,175
+HK$8,220/mo
Deposit HK$12.50M · loan HK$29.16M · min. income ≈ HK$311,910/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,000
−HK$10,723/mo
▼ 0.25% · 3.875%
HK$176,319
−HK$5,404/mo
Today · 4.125%
HK$181,723
baseline
▲ 0.50% · 4.625%
HK$192,780
+HK$11,057/mo
Deposit HK$4.17M · loan HK$37.50M · min. income ≈ HK$363,446/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,235
−HK$10,278/mo
▼ 0.25% · 3.875%
HK$195,337
−HK$5,176/mo
Today · 4.125%
HK$200,513
baseline
▲ 0.50% · 4.625%
HK$211,083
+HK$10,570/mo
Deposit HK$4.17M · loan HK$37.50M · min. income ≈ HK$401,026/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,770,631 · Scale 2, in force from 26 Feb 2026)