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$95,578
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,551
−HK$3,020/mo
Today · 4.125%
HK$101,571
baseline
▲ 0.50% · 4.625%
HK$107,751
+HK$6,180/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,142/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,329
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,181
−HK$2,893/mo
Today · 4.125%
HK$112,074
baseline
▲ 0.50% · 4.625%
HK$117,981
+HK$5,907/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,148/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,693
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,261
−HK$3,624/mo
Today · 4.125%
HK$121,885
baseline
▲ 0.50% · 4.625%
HK$129,302
+HK$7,417/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,770/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,595
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,017
−HK$3,471/mo
Today · 4.125%
HK$134,488
baseline
▲ 0.50% · 4.625%
HK$141,577
+HK$7,089/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$268,976/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,809
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,971
−HK$4,228/mo
Today · 4.125%
HK$142,199
baseline
▲ 0.50% · 4.625%
HK$150,852
+HK$8,653/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$284,398/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,861
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$152,853
−HK$4,050/mo
Today · 4.125%
HK$156,903
baseline
▲ 0.50% · 4.625%
HK$165,174
+HK$8,271/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$313,806/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,040
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$177,391
−HK$5,437/mo
Today · 4.125%
HK$182,828
baseline
▲ 0.50% · 4.625%
HK$193,953
+HK$11,125/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$365,656/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,392
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$196,525
−HK$5,208/mo
Today · 4.125%
HK$201,733
baseline
▲ 0.50% · 4.625%
HK$212,366
+HK$10,633/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$403,466/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,398 · Scale 2, in force from 26 Feb 2026)