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$95,522
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,494
−HK$3,019/mo
Today · 4.125%
HK$101,513
baseline
▲ 0.50% · 4.625%
HK$107,689
+HK$6,176/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,026/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,268
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,118
−HK$2,891/mo
Today · 4.125%
HK$112,009
baseline
▲ 0.50% · 4.625%
HK$117,913
+HK$5,904/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,018/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,627
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,192
−HK$3,623/mo
Today · 4.125%
HK$121,815
baseline
▲ 0.50% · 4.625%
HK$129,227
+HK$7,412/mo
Deposit HK$16.76M · loan HK$25.13M · min. income ≈ HK$243,630/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,521
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,941
−HK$3,470/mo
Today · 4.125%
HK$134,411
baseline
▲ 0.50% · 4.625%
HK$141,496
+HK$7,085/mo
Deposit HK$16.76M · loan HK$25.13M · min. income ≈ HK$268,822/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,731
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,891
−HK$4,227/mo
Today · 4.125%
HK$142,118
baseline
▲ 0.50% · 4.625%
HK$150,765
+HK$8,647/mo
Deposit HK$12.57M · loan HK$29.32M · min. income ≈ HK$284,236/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,775
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$152,765
−HK$4,048/mo
Today · 4.125%
HK$156,813
baseline
▲ 0.50% · 4.625%
HK$165,078
+HK$8,265/mo
Deposit HK$12.57M · loan HK$29.32M · min. income ≈ HK$313,626/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,940
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$177,289
−HK$5,434/mo
Today · 4.125%
HK$182,723
baseline
▲ 0.50% · 4.625%
HK$193,841
+HK$11,118/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$365,446/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,282
−HK$10,334/mo
▼ 0.25% · 3.875%
HK$196,412
−HK$5,204/mo
Today · 4.125%
HK$201,616
baseline
▲ 0.50% · 4.625%
HK$212,244
+HK$10,628/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$403,232/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,372 · Scale 2, in force from 26 Feb 2026)