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$95,390
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,357
−HK$3,015/mo
Today · 4.125%
HK$101,372
baseline
▲ 0.50% · 4.625%
HK$107,540
+HK$6,168/mo
Deposit HK$20.92M · loan HK$20.92M · min. income ≈ HK$202,744/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,121
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,967
−HK$2,887/mo
Today · 4.125%
HK$111,854
baseline
▲ 0.50% · 4.625%
HK$117,750
+HK$5,896/mo
Deposit HK$20.92M · loan HK$20.92M · min. income ≈ HK$223,708/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,468
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,029
−HK$3,618/mo
Today · 4.125%
HK$121,647
baseline
▲ 0.50% · 4.625%
HK$129,048
+HK$7,401/mo
Deposit HK$16.73M · loan HK$25.10M · min. income ≈ HK$243,294/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,345
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,760
−HK$3,465/mo
Today · 4.125%
HK$134,225
baseline
▲ 0.50% · 4.625%
HK$141,300
+HK$7,075/mo
Deposit HK$16.73M · loan HK$25.10M · min. income ≈ HK$268,450/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,546
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,700
−HK$4,221/mo
Today · 4.125%
HK$141,921
baseline
▲ 0.50% · 4.625%
HK$150,557
+HK$8,636/mo
Deposit HK$12.55M · loan HK$29.28M · min. income ≈ HK$283,842/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,569
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$152,554
−HK$4,042/mo
Today · 4.125%
HK$156,596
baseline
▲ 0.50% · 4.625%
HK$164,850
+HK$8,254/mo
Deposit HK$12.55M · loan HK$29.28M · min. income ≈ HK$313,192/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,703
−HK$10,767/mo
▼ 0.25% · 3.875%
HK$177,043
−HK$5,427/mo
Today · 4.125%
HK$182,470
baseline
▲ 0.50% · 4.625%
HK$193,573
+HK$11,103/mo
Deposit HK$4.18M · loan HK$37.65M · min. income ≈ HK$364,940/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,017
−HK$10,320/mo
▼ 0.25% · 3.875%
HK$196,140
−HK$5,197/mo
Today · 4.125%
HK$201,337
baseline
▲ 0.50% · 4.625%
HK$211,950
+HK$10,613/mo
Deposit HK$4.18M · loan HK$37.65M · min. income ≈ HK$402,674/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,777,909 · Scale 2, in force from 26 Feb 2026)