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$95,264
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,228
−HK$3,010/mo
Today · 4.125%
HK$101,238
baseline
▲ 0.50% · 4.625%
HK$107,398
+HK$6,160/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,476/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,981
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,823
−HK$2,883/mo
Today · 4.125%
HK$111,706
baseline
▲ 0.50% · 4.625%
HK$117,595
+HK$5,889/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,412/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,317
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,873
−HK$3,613/mo
Today · 4.125%
HK$121,486
baseline
▲ 0.50% · 4.625%
HK$128,878
+HK$7,392/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,972/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,177
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,587
−HK$3,461/mo
Today · 4.125%
HK$134,048
baseline
▲ 0.50% · 4.625%
HK$141,113
+HK$7,065/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,096/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,370
−HK$8,363/mo
▼ 0.25% · 3.875%
HK$137,519
−HK$4,214/mo
Today · 4.125%
HK$141,733
baseline
▲ 0.50% · 4.625%
HK$150,358
+HK$8,625/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,466/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,373
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,352
−HK$4,037/mo
Today · 4.125%
HK$156,389
baseline
▲ 0.50% · 4.625%
HK$164,632
+HK$8,243/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,778/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,476
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,810
−HK$5,419/mo
Today · 4.125%
HK$182,229
baseline
▲ 0.50% · 4.625%
HK$193,317
+HK$11,088/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,458/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,765
−HK$10,306/mo
▼ 0.25% · 3.875%
HK$195,881
−HK$5,190/mo
Today · 4.125%
HK$201,071
baseline
▲ 0.50% · 4.625%
HK$211,670
+HK$10,599/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,142/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,560 · Scale 2, in force from 26 Feb 2026)