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$95,149
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,108
−HK$3,007/mo
Today · 4.125%
HK$101,115
baseline
▲ 0.50% · 4.625%
HK$107,268
+HK$6,153/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,230/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,852
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,691
−HK$2,880/mo
Today · 4.125%
HK$111,571
baseline
▲ 0.50% · 4.625%
HK$117,452
+HK$5,881/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,142/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,178
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,730
−HK$3,608/mo
Today · 4.125%
HK$121,338
baseline
▲ 0.50% · 4.625%
HK$128,721
+HK$7,383/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$242,676/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,022
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,429
−HK$3,456/mo
Today · 4.125%
HK$133,885
baseline
▲ 0.50% · 4.625%
HK$140,942
+HK$7,057/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$267,770/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,208
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$137,351
−HK$4,210/mo
Today · 4.125%
HK$141,561
baseline
▲ 0.50% · 4.625%
HK$150,175
+HK$8,614/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$283,122/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,193
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,167
−HK$4,032/mo
Today · 4.125%
HK$156,199
baseline
▲ 0.50% · 4.625%
HK$164,432
+HK$8,233/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$312,398/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,267
−HK$10,740/mo
▼ 0.25% · 3.875%
HK$176,595
−HK$5,412/mo
Today · 4.125%
HK$182,007
baseline
▲ 0.50% · 4.625%
HK$193,082
+HK$11,075/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$364,014/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,533
−HK$10,294/mo
▼ 0.25% · 3.875%
HK$195,643
−HK$5,184/mo
Today · 4.125%
HK$200,827
baseline
▲ 0.50% · 4.625%
HK$211,413
+HK$10,586/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$401,654/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,403 · Scale 2, in force from 26 Feb 2026)