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$95,087
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,045
−HK$3,005/mo
Today · 4.125%
HK$101,050
baseline
▲ 0.50% · 4.625%
HK$107,198
+HK$6,148/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$202,100/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,783
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,620
−HK$2,878/mo
Today · 4.125%
HK$111,498
baseline
▲ 0.50% · 4.625%
HK$117,376
+HK$5,878/mo
Deposit HK$20.85M · loan HK$20.85M · min. income ≈ HK$222,996/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,104
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,654
−HK$3,606/mo
Today · 4.125%
HK$121,260
baseline
▲ 0.50% · 4.625%
HK$128,638
+HK$7,378/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$242,520/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,940
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,344
−HK$3,454/mo
Today · 4.125%
HK$133,798
baseline
▲ 0.50% · 4.625%
HK$140,851
+HK$7,053/mo
Deposit HK$16.68M · loan HK$25.02M · min. income ≈ HK$267,596/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,122
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,263
−HK$4,207/mo
Today · 4.125%
HK$141,470
baseline
▲ 0.50% · 4.625%
HK$150,078
+HK$8,608/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$282,940/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,097
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,069
−HK$4,029/mo
Today · 4.125%
HK$156,098
baseline
▲ 0.50% · 4.625%
HK$164,326
+HK$8,228/mo
Deposit HK$12.51M · loan HK$29.19M · min. income ≈ HK$312,196/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,157
−HK$10,733/mo
▼ 0.25% · 3.875%
HK$176,481
−HK$5,409/mo
Today · 4.125%
HK$181,890
baseline
▲ 0.50% · 4.625%
HK$192,957
+HK$11,067/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$363,780/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,410
−HK$10,287/mo
▼ 0.25% · 3.875%
HK$195,517
−HK$5,180/mo
Today · 4.125%
HK$200,697
baseline
▲ 0.50% · 4.625%
HK$211,276
+HK$10,579/mo
Deposit HK$4.17M · loan HK$37.53M · min. income ≈ HK$401,394/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,256 · Scale 2, in force from 26 Feb 2026)