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$95,600
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,574
−HK$3,021/mo
Today · 4.125%
HK$101,595
baseline
▲ 0.50% · 4.625%
HK$107,777
+HK$6,182/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,190/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,354
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,207
−HK$2,893/mo
Today · 4.125%
HK$112,100
baseline
▲ 0.50% · 4.625%
HK$118,009
+HK$5,909/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,200/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,720
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$118,289
−HK$3,625/mo
Today · 4.125%
HK$121,914
baseline
▲ 0.50% · 4.625%
HK$129,332
+HK$7,418/mo
Deposit HK$16.77M · loan HK$25.16M · min. income ≈ HK$243,828/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,625
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,048
−HK$3,472/mo
Today · 4.125%
HK$134,520
baseline
▲ 0.50% · 4.625%
HK$141,611
+HK$7,091/mo
Deposit HK$16.77M · loan HK$25.16M · min. income ≈ HK$269,040/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,840
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$138,004
−HK$4,229/mo
Today · 4.125%
HK$142,233
baseline
▲ 0.50% · 4.625%
HK$150,888
+HK$8,655/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$284,466/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,896
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,889
−HK$4,051/mo
Today · 4.125%
HK$156,940
baseline
▲ 0.50% · 4.625%
HK$165,213
+HK$8,273/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$313,880/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,080
−HK$10,791/mo
▼ 0.25% · 3.875%
HK$177,433
−HK$5,438/mo
Today · 4.125%
HK$182,871
baseline
▲ 0.50% · 4.625%
HK$193,999
+HK$11,128/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,742/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,438
−HK$10,343/mo
▼ 0.25% · 3.875%
HK$196,572
−HK$5,209/mo
Today · 4.125%
HK$201,781
baseline
▲ 0.50% · 4.625%
HK$212,417
+HK$10,636/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,562/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,822 · Scale 2, in force from 26 Feb 2026)