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$95,299
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,264
−HK$3,012/mo
Today · 4.125%
HK$101,276
baseline
▲ 0.50% · 4.625%
HK$107,438
+HK$6,162/mo
Deposit HK$20.90M · loan HK$20.90M · min. income ≈ HK$202,552/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,020
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$108,863
−HK$2,885/mo
Today · 4.125%
HK$111,748
baseline
▲ 0.50% · 4.625%
HK$117,638
+HK$5,890/mo
Deposit HK$20.90M · loan HK$20.90M · min. income ≈ HK$223,496/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,359
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,917
−HK$3,614/mo
Today · 4.125%
HK$121,531
baseline
▲ 0.50% · 4.625%
HK$128,925
+HK$7,394/mo
Deposit HK$16.72M · loan HK$25.08M · min. income ≈ HK$243,062/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,224
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,636
−HK$3,461/mo
Today · 4.125%
HK$134,097
baseline
▲ 0.50% · 4.625%
HK$141,165
+HK$7,068/mo
Deposit HK$16.72M · loan HK$25.08M · min. income ≈ HK$268,194/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,419
−HK$8,367/mo
▼ 0.25% · 3.875%
HK$137,569
−HK$4,217/mo
Today · 4.125%
HK$141,786
baseline
▲ 0.50% · 4.625%
HK$150,413
+HK$8,627/mo
Deposit HK$12.54M · loan HK$29.26M · min. income ≈ HK$283,572/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,427
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$152,408
−HK$4,039/mo
Today · 4.125%
HK$156,447
baseline
▲ 0.50% · 4.625%
HK$164,693
+HK$8,246/mo
Deposit HK$12.54M · loan HK$29.26M · min. income ≈ HK$312,894/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,539
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$176,875
−HK$5,421/mo
Today · 4.125%
HK$182,296
baseline
▲ 0.50% · 4.625%
HK$193,388
+HK$11,092/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$364,592/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,835
−HK$10,311/mo
▼ 0.25% · 3.875%
HK$195,953
−HK$5,193/mo
Today · 4.125%
HK$201,146
baseline
▲ 0.50% · 4.625%
HK$211,748
+HK$10,602/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$402,292/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,776,215 · Scale 2, in force from 26 Feb 2026)