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$95,168
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,129
−HK$3,007/mo
Today · 4.125%
HK$101,136
baseline
▲ 0.50% · 4.625%
HK$107,290
+HK$6,154/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,272/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,874
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,713
−HK$2,881/mo
Today · 4.125%
HK$111,594
baseline
▲ 0.50% · 4.625%
HK$117,476
+HK$5,882/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,188/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,202
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,754
−HK$3,609/mo
Today · 4.125%
HK$121,363
baseline
▲ 0.50% · 4.625%
HK$128,748
+HK$7,385/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$242,726/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,048
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,456
−HK$3,456/mo
Today · 4.125%
HK$133,912
baseline
▲ 0.50% · 4.625%
HK$140,971
+HK$7,059/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$267,824/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,236
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,380
−HK$4,211/mo
Today · 4.125%
HK$141,591
baseline
▲ 0.50% · 4.625%
HK$150,206
+HK$8,615/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$283,182/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,223
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,198
−HK$4,033/mo
Today · 4.125%
HK$156,231
baseline
▲ 0.50% · 4.625%
HK$164,466
+HK$8,235/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$312,462/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,303
−HK$10,742/mo
▼ 0.25% · 3.875%
HK$176,631
−HK$5,414/mo
Today · 4.125%
HK$182,045
baseline
▲ 0.50% · 4.625%
HK$193,122
+HK$11,077/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$364,090/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,573
−HK$10,296/mo
▼ 0.25% · 3.875%
HK$195,684
−HK$5,185/mo
Today · 4.125%
HK$200,869
baseline
▲ 0.50% · 4.625%
HK$211,457
+HK$10,588/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$401,738/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,770 · Scale 2, in force from 26 Feb 2026)