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$95,587
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,560
−HK$3,021/mo
Today · 4.125%
HK$101,581
baseline
▲ 0.50% · 4.625%
HK$107,762
+HK$6,181/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,162/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,339
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,191
−HK$2,893/mo
Today · 4.125%
HK$112,084
baseline
▲ 0.50% · 4.625%
HK$117,992
+HK$5,908/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,168/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,704
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,272
−HK$3,625/mo
Today · 4.125%
HK$121,897
baseline
▲ 0.50% · 4.625%
HK$129,314
+HK$7,417/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,794/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,607
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,029
−HK$3,472/mo
Today · 4.125%
HK$134,501
baseline
▲ 0.50% · 4.625%
HK$141,591
+HK$7,090/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,002/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,821
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,984
−HK$4,229/mo
Today · 4.125%
HK$142,213
baseline
▲ 0.50% · 4.625%
HK$150,866
+HK$8,653/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$284,426/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,875
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$152,867
−HK$4,051/mo
Today · 4.125%
HK$156,918
baseline
▲ 0.50% · 4.625%
HK$165,189
+HK$8,271/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$313,836/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,056
−HK$10,789/mo
▼ 0.25% · 3.875%
HK$177,408
−HK$5,437/mo
Today · 4.125%
HK$182,845
baseline
▲ 0.50% · 4.625%
HK$193,971
+HK$11,126/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,690/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,410
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$196,544
−HK$5,208/mo
Today · 4.125%
HK$201,752
baseline
▲ 0.50% · 4.625%
HK$212,386
+HK$10,634/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,504/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,567 · Scale 2, in force from 26 Feb 2026)