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$95,739
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,717
−HK$3,026/mo
Today · 4.125%
HK$101,743
baseline
▲ 0.50% · 4.625%
HK$107,933
+HK$6,190/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$203,486/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,509
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,365
−HK$2,898/mo
Today · 4.125%
HK$112,263
baseline
▲ 0.50% · 4.625%
HK$118,180
+HK$5,917/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$224,526/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,887
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$118,460
−HK$3,631/mo
Today · 4.125%
HK$122,091
baseline
▲ 0.50% · 4.625%
HK$129,520
+HK$7,429/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$244,182/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,810
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,238
−HK$3,477/mo
Today · 4.125%
HK$134,715
baseline
▲ 0.50% · 4.625%
HK$141,817
+HK$7,102/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$269,430/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,034
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$138,204
−HK$4,236/mo
Today · 4.125%
HK$142,440
baseline
▲ 0.50% · 4.625%
HK$151,107
+HK$8,667/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$284,880/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,112
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$153,111
−HK$4,057/mo
Today · 4.125%
HK$157,168
baseline
▲ 0.50% · 4.625%
HK$165,453
+HK$8,285/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$314,336/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,330
−HK$10,807/mo
▼ 0.25% · 3.875%
HK$177,690
−HK$5,447/mo
Today · 4.125%
HK$183,137
baseline
▲ 0.50% · 4.625%
HK$194,280
+HK$11,143/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$366,274/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,715
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$196,857
−HK$5,216/mo
Today · 4.125%
HK$202,073
baseline
▲ 0.50% · 4.625%
HK$212,725
+HK$10,652/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$404,146/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,406 · Scale 2, in force from 26 Feb 2026)