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$95,569
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,542
−HK$3,020/mo
Today · 4.125%
HK$101,562
baseline
▲ 0.50% · 4.625%
HK$107,742
+HK$6,180/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,124/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,320
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,171
−HK$2,893/mo
Today · 4.125%
HK$112,064
baseline
▲ 0.50% · 4.625%
HK$117,971
+HK$5,907/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,128/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,683
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,250
−HK$3,625/mo
Today · 4.125%
HK$121,875
baseline
▲ 0.50% · 4.625%
HK$129,290
+HK$7,415/mo
Deposit HK$16.76M · loan HK$25.15M · min. income ≈ HK$243,750/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,584
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,005
−HK$3,472/mo
Today · 4.125%
HK$134,477
baseline
▲ 0.50% · 4.625%
HK$141,565
+HK$7,088/mo
Deposit HK$16.76M · loan HK$25.15M · min. income ≈ HK$268,954/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,797
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,959
−HK$4,228/mo
Today · 4.125%
HK$142,187
baseline
▲ 0.50% · 4.625%
HK$150,839
+HK$8,652/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$284,374/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,848
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,840
−HK$4,049/mo
Today · 4.125%
HK$156,889
baseline
▲ 0.50% · 4.625%
HK$165,159
+HK$8,270/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$313,778/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,024
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$177,375
−HK$5,437/mo
Today · 4.125%
HK$182,812
baseline
▲ 0.50% · 4.625%
HK$193,936
+HK$11,124/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$365,624/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,375
−HK$10,340/mo
▼ 0.25% · 3.875%
HK$196,508
−HK$5,207/mo
Today · 4.125%
HK$201,715
baseline
▲ 0.50% · 4.625%
HK$212,348
+HK$10,633/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$403,430/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,242 · Scale 2, in force from 26 Feb 2026)