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$95,676
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,652
−HK$3,024/mo
Today · 4.125%
HK$101,676
baseline
▲ 0.50% · 4.625%
HK$107,862
+HK$6,186/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$203,352/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,438
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,293
−HK$2,896/mo
Today · 4.125%
HK$112,189
baseline
▲ 0.50% · 4.625%
HK$118,103
+HK$5,914/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$224,378/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,811
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,382
−HK$3,629/mo
Today · 4.125%
HK$122,011
baseline
▲ 0.50% · 4.625%
HK$129,435
+HK$7,424/mo
Deposit HK$16.78M · loan HK$25.18M · min. income ≈ HK$244,022/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,726
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,152
−HK$3,475/mo
Today · 4.125%
HK$134,627
baseline
▲ 0.50% · 4.625%
HK$141,723
+HK$7,096/mo
Deposit HK$16.78M · loan HK$25.18M · min. income ≈ HK$269,254/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,946
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$138,113
−HK$4,233/mo
Today · 4.125%
HK$142,346
baseline
▲ 0.50% · 4.625%
HK$151,007
+HK$8,661/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$284,692/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,014
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$153,010
−HK$4,055/mo
Today · 4.125%
HK$157,065
baseline
▲ 0.50% · 4.625%
HK$165,344
+HK$8,279/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$314,130/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,217
−HK$10,799/mo
▼ 0.25% · 3.875%
HK$177,573
−HK$5,443/mo
Today · 4.125%
HK$183,016
baseline
▲ 0.50% · 4.625%
HK$194,152
+HK$11,136/mo
Deposit HK$4.20M · loan HK$37.76M · min. income ≈ HK$366,032/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,589
−HK$10,351/mo
▼ 0.25% · 3.875%
HK$196,727
−HK$5,213/mo
Today · 4.125%
HK$201,940
baseline
▲ 0.50% · 4.625%
HK$212,585
+HK$10,645/mo
Deposit HK$4.20M · loan HK$37.76M · min. income ≈ HK$403,880/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,231 · Scale 2, in force from 26 Feb 2026)