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$95,266
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,229
−HK$3,011/mo
Today · 4.125%
HK$101,240
baseline
▲ 0.50% · 4.625%
HK$107,400
+HK$6,160/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,480/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,982
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,824
−HK$2,884/mo
Today · 4.125%
HK$111,708
baseline
▲ 0.50% · 4.625%
HK$117,596
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,416/mo (50% DSR)
Upfront cash ≈ HK$22.66M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,319
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,875
−HK$3,613/mo
Today · 4.125%
HK$121,488
baseline
▲ 0.50% · 4.625%
HK$128,880
+HK$7,392/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,976/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,179
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,589
−HK$3,461/mo
Today · 4.125%
HK$134,050
baseline
▲ 0.50% · 4.625%
HK$141,116
+HK$7,066/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,100/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,372
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$137,521
−HK$4,215/mo
Today · 4.125%
HK$141,736
baseline
▲ 0.50% · 4.625%
HK$150,360
+HK$8,624/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$283,472/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,375
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,354
−HK$4,037/mo
Today · 4.125%
HK$156,391
baseline
▲ 0.50% · 4.625%
HK$164,635
+HK$8,244/mo
Deposit HK$12.53M · loan HK$29.24M · min. income ≈ HK$312,782/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,478
−HK$10,753/mo
▼ 0.25% · 3.875%
HK$176,812
−HK$5,419/mo
Today · 4.125%
HK$182,231
baseline
▲ 0.50% · 4.625%
HK$193,320
+HK$11,089/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,462/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,768
−HK$10,306/mo
▼ 0.25% · 3.875%
HK$195,884
−HK$5,190/mo
Today · 4.125%
HK$201,074
baseline
▲ 0.50% · 4.625%
HK$211,673
+HK$10,599/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,148/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,586 · Scale 2, in force from 26 Feb 2026)