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$95,719
−HK$6,003/mo
▼ 0.25% · 3.875%
HK$98,697
−HK$3,025/mo
Today · 4.125%
HK$101,722
baseline
▲ 0.50% · 4.625%
HK$107,911
+HK$6,189/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$203,444/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,487
−HK$5,753/mo
▼ 0.25% · 3.875%
HK$109,343
−HK$2,897/mo
Today · 4.125%
HK$112,240
baseline
▲ 0.50% · 4.625%
HK$118,156
+HK$5,916/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$224,480/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,863
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,436
−HK$3,630/mo
Today · 4.125%
HK$122,066
baseline
▲ 0.50% · 4.625%
HK$129,493
+HK$7,427/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$244,132/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,784
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,211
−HK$3,477/mo
Today · 4.125%
HK$134,688
baseline
▲ 0.50% · 4.625%
HK$141,787
+HK$7,099/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$269,376/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,007
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$138,175
−HK$4,235/mo
Today · 4.125%
HK$142,410
baseline
▲ 0.50% · 4.625%
HK$151,076
+HK$8,666/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$284,820/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,081
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$153,080
−HK$4,056/mo
Today · 4.125%
HK$157,136
baseline
▲ 0.50% · 4.625%
HK$165,418
+HK$8,282/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$314,272/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,294
−HK$10,805/mo
▼ 0.25% · 3.875%
HK$177,654
−HK$5,445/mo
Today · 4.125%
HK$183,099
baseline
▲ 0.50% · 4.625%
HK$194,240
+HK$11,141/mo
Deposit HK$4.20M · loan HK$37.78M · min. income ≈ HK$366,198/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,676
−HK$10,356/mo
▼ 0.25% · 3.875%
HK$196,817
−HK$5,215/mo
Today · 4.125%
HK$202,032
baseline
▲ 0.50% · 4.625%
HK$212,681
+HK$10,649/mo
Deposit HK$4.20M · loan HK$37.78M · min. income ≈ HK$404,064/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,038 · Scale 2, in force from 26 Feb 2026)