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$95,692
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,669
−HK$3,024/mo
Today · 4.125%
HK$101,693
baseline
▲ 0.50% · 4.625%
HK$107,880
+HK$6,187/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$203,386/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,456
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,311
−HK$2,897/mo
Today · 4.125%
HK$112,208
baseline
▲ 0.50% · 4.625%
HK$118,123
+HK$5,915/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$224,416/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,830
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$118,402
−HK$3,629/mo
Today · 4.125%
HK$122,031
baseline
▲ 0.50% · 4.625%
HK$129,457
+HK$7,426/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$244,062/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,748
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,174
−HK$3,475/mo
Today · 4.125%
HK$134,649
baseline
▲ 0.50% · 4.625%
HK$141,747
+HK$7,098/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$269,298/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,969
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,136
−HK$4,234/mo
Today · 4.125%
HK$142,370
baseline
▲ 0.50% · 4.625%
HK$151,033
+HK$8,663/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$284,740/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,039
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,036
−HK$4,055/mo
Today · 4.125%
HK$157,091
baseline
▲ 0.50% · 4.625%
HK$165,372
+HK$8,281/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$314,182/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,246
−HK$10,801/mo
▼ 0.25% · 3.875%
HK$177,603
−HK$5,444/mo
Today · 4.125%
HK$183,047
baseline
▲ 0.50% · 4.625%
HK$194,185
+HK$11,138/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$366,094/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,621
−HK$10,353/mo
▼ 0.25% · 3.875%
HK$196,761
−HK$5,213/mo
Today · 4.125%
HK$201,974
baseline
▲ 0.50% · 4.625%
HK$212,621
+HK$10,647/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$403,948/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,532 · Scale 2, in force from 26 Feb 2026)