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$95,567
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,540
−HK$3,020/mo
Today · 4.125%
HK$101,560
baseline
▲ 0.50% · 4.625%
HK$107,740
+HK$6,180/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,120/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,317
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,169
−HK$2,892/mo
Today · 4.125%
HK$112,061
baseline
▲ 0.50% · 4.625%
HK$117,968
+HK$5,907/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,122/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,681
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,248
−HK$3,624/mo
Today · 4.125%
HK$121,872
baseline
▲ 0.50% · 4.625%
HK$129,288
+HK$7,416/mo
Deposit HK$16.76M · loan HK$25.15M · min. income ≈ HK$243,744/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,581
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,003
−HK$3,471/mo
Today · 4.125%
HK$134,474
baseline
▲ 0.50% · 4.625%
HK$141,562
+HK$7,088/mo
Deposit HK$16.76M · loan HK$25.15M · min. income ≈ HK$268,948/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,794
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,956
−HK$4,228/mo
Today · 4.125%
HK$142,184
baseline
▲ 0.50% · 4.625%
HK$150,836
+HK$8,652/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$284,368/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,844
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$152,836
−HK$4,050/mo
Today · 4.125%
HK$156,886
baseline
▲ 0.50% · 4.625%
HK$165,156
+HK$8,270/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$313,772/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,021
−HK$10,787/mo
▼ 0.25% · 3.875%
HK$177,372
−HK$5,436/mo
Today · 4.125%
HK$182,808
baseline
▲ 0.50% · 4.625%
HK$193,931
+HK$11,123/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$365,616/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,371
−HK$10,340/mo
▼ 0.25% · 3.875%
HK$196,504
−HK$5,207/mo
Today · 4.125%
HK$201,711
baseline
▲ 0.50% · 4.625%
HK$212,343
+HK$10,632/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$403,422/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,204 · Scale 2, in force from 26 Feb 2026)