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$95,553
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,525
−HK$3,020/mo
Today · 4.125%
HK$101,545
baseline
▲ 0.50% · 4.625%
HK$107,724
+HK$6,179/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,090/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,302
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,153
−HK$2,892/mo
Today · 4.125%
HK$112,045
baseline
▲ 0.50% · 4.625%
HK$117,951
+HK$5,906/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,090/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,663
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,230
−HK$3,624/mo
Today · 4.125%
HK$121,854
baseline
▲ 0.50% · 4.625%
HK$129,268
+HK$7,414/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$243,708/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,562
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,983
−HK$3,471/mo
Today · 4.125%
HK$134,454
baseline
▲ 0.50% · 4.625%
HK$141,541
+HK$7,087/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$268,908/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,774
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$137,935
−HK$4,228/mo
Today · 4.125%
HK$142,163
baseline
▲ 0.50% · 4.625%
HK$150,813
+HK$8,650/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$284,326/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,822
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,814
−HK$4,049/mo
Today · 4.125%
HK$156,863
baseline
▲ 0.50% · 4.625%
HK$165,131
+HK$8,268/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$313,726/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,995
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,345
−HK$5,436/mo
Today · 4.125%
HK$182,781
baseline
▲ 0.50% · 4.625%
HK$193,902
+HK$11,121/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$365,562/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,343
−HK$10,337/mo
▼ 0.25% · 3.875%
HK$196,475
−HK$5,205/mo
Today · 4.125%
HK$201,680
baseline
▲ 0.50% · 4.625%
HK$212,311
+HK$10,631/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$403,360/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,939 · Scale 2, in force from 26 Feb 2026)