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$95,551
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,523
−HK$3,020/mo
Today · 4.125%
HK$101,543
baseline
▲ 0.50% · 4.625%
HK$107,721
+HK$6,178/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,086/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,299
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,150
−HK$2,892/mo
Today · 4.125%
HK$112,042
baseline
▲ 0.50% · 4.625%
HK$117,948
+HK$5,906/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,084/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,661
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,227
−HK$3,624/mo
Today · 4.125%
HK$121,851
baseline
▲ 0.50% · 4.625%
HK$129,265
+HK$7,414/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$243,702/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,559
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,980
−HK$3,471/mo
Today · 4.125%
HK$134,451
baseline
▲ 0.50% · 4.625%
HK$141,538
+HK$7,087/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$268,902/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,771
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$137,932
−HK$4,228/mo
Today · 4.125%
HK$142,160
baseline
▲ 0.50% · 4.625%
HK$150,810
+HK$8,650/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$284,320/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,819
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,810
−HK$4,049/mo
Today · 4.125%
HK$156,859
baseline
▲ 0.50% · 4.625%
HK$165,127
+HK$8,268/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$313,718/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,991
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,341
−HK$5,436/mo
Today · 4.125%
HK$182,777
baseline
▲ 0.50% · 4.625%
HK$193,898
+HK$11,121/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$365,554/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,338
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$196,470
−HK$5,206/mo
Today · 4.125%
HK$201,676
baseline
▲ 0.50% · 4.625%
HK$212,306
+HK$10,630/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$403,352/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,898 · Scale 2, in force from 26 Feb 2026)