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$95,436
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,405
−HK$3,016/mo
Today · 4.125%
HK$101,421
baseline
▲ 0.50% · 4.625%
HK$107,592
+HK$6,171/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,842/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,172
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,020
−HK$2,888/mo
Today · 4.125%
HK$111,908
baseline
▲ 0.50% · 4.625%
HK$117,807
+HK$5,899/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,816/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,524
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,086
−HK$3,619/mo
Today · 4.125%
HK$121,705
baseline
▲ 0.50% · 4.625%
HK$129,111
+HK$7,406/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$243,410/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,406
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$130,823
−HK$3,467/mo
Today · 4.125%
HK$134,290
baseline
▲ 0.50% · 4.625%
HK$141,368
+HK$7,078/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,580/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,611
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$137,767
−HK$4,223/mo
Today · 4.125%
HK$141,990
baseline
▲ 0.50% · 4.625%
HK$150,629
+HK$8,639/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$283,980/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,641
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,627
−HK$4,044/mo
Today · 4.125%
HK$156,671
baseline
▲ 0.50% · 4.625%
HK$164,930
+HK$8,259/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,342/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,786
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,129
−HK$5,429/mo
Today · 4.125%
HK$182,558
baseline
▲ 0.50% · 4.625%
HK$193,666
+HK$11,108/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,116/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,110
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,235
−HK$5,200/mo
Today · 4.125%
HK$201,435
baseline
▲ 0.50% · 4.625%
HK$212,053
+HK$10,618/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,870/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,769 · Scale 2, in force from 26 Feb 2026)