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$95,055
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,012
−HK$3,004/mo
Today · 4.125%
HK$101,016
baseline
▲ 0.50% · 4.625%
HK$107,162
+HK$6,146/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$202,032/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,748
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,584
−HK$2,877/mo
Today · 4.125%
HK$111,461
baseline
▲ 0.50% · 4.625%
HK$117,336
+HK$5,875/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$222,922/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,066
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,614
−HK$3,605/mo
Today · 4.125%
HK$121,219
baseline
▲ 0.50% · 4.625%
HK$128,595
+HK$7,376/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$242,438/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,897
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$130,300
−HK$3,453/mo
Today · 4.125%
HK$133,753
baseline
▲ 0.50% · 4.625%
HK$140,803
+HK$7,050/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$267,506/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,077
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$137,216
−HK$4,206/mo
Today · 4.125%
HK$141,422
baseline
▲ 0.50% · 4.625%
HK$150,027
+HK$8,605/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$282,844/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,047
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$152,017
−HK$4,028/mo
Today · 4.125%
HK$156,045
baseline
▲ 0.50% · 4.625%
HK$164,271
+HK$8,226/mo
Deposit HK$12.51M · loan HK$29.18M · min. income ≈ HK$312,090/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,099
−HK$10,729/mo
▼ 0.25% · 3.875%
HK$176,421
−HK$5,407/mo
Today · 4.125%
HK$181,828
baseline
▲ 0.50% · 4.625%
HK$192,892
+HK$11,064/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$363,656/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,346
−HK$10,283/mo
▼ 0.25% · 3.875%
HK$195,451
−HK$5,178/mo
Today · 4.125%
HK$200,629
baseline
▲ 0.50% · 4.625%
HK$211,205
+HK$10,576/mo
Deposit HK$4.17M · loan HK$37.52M · min. income ≈ HK$401,258/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,658 · Scale 2, in force from 26 Feb 2026)