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$95,742
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,721
−HK$3,025/mo
Today · 4.125%
HK$101,746
baseline
▲ 0.50% · 4.625%
HK$107,937
+HK$6,191/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$203,492/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,512
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$109,369
−HK$2,898/mo
Today · 4.125%
HK$112,267
baseline
▲ 0.50% · 4.625%
HK$118,185
+HK$5,918/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$224,534/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,891
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,465
−HK$3,631/mo
Today · 4.125%
HK$122,096
baseline
▲ 0.50% · 4.625%
HK$129,525
+HK$7,429/mo
Deposit HK$16.80M · loan HK$25.19M · min. income ≈ HK$244,192/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,815
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,243
−HK$3,477/mo
Today · 4.125%
HK$134,720
baseline
▲ 0.50% · 4.625%
HK$141,822
+HK$7,102/mo
Deposit HK$16.80M · loan HK$25.19M · min. income ≈ HK$269,440/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,039
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$138,209
−HK$4,236/mo
Today · 4.125%
HK$142,445
baseline
▲ 0.50% · 4.625%
HK$151,112
+HK$8,667/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$284,890/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,117
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$153,117
−HK$4,057/mo
Today · 4.125%
HK$157,174
baseline
▲ 0.50% · 4.625%
HK$165,459
+HK$8,285/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$314,348/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,336
−HK$10,807/mo
▼ 0.25% · 3.875%
HK$177,697
−HK$5,446/mo
Today · 4.125%
HK$183,143
baseline
▲ 0.50% · 4.625%
HK$194,287
+HK$11,144/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$366,286/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,722
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,864
−HK$5,217/mo
Today · 4.125%
HK$202,081
baseline
▲ 0.50% · 4.625%
HK$212,733
+HK$10,652/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$404,162/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,472 · Scale 2, in force from 26 Feb 2026)