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$95,741
−HK$6,004/mo
▼ 0.25% · 3.875%
HK$98,719
−HK$3,026/mo
Today · 4.125%
HK$101,745
baseline
▲ 0.50% · 4.625%
HK$107,936
+HK$6,191/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$203,490/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,511
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,368
−HK$2,897/mo
Today · 4.125%
HK$112,265
baseline
▲ 0.50% · 4.625%
HK$118,183
+HK$5,918/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$224,530/mo (50% DSR)
Upfront cash ≈ HK$22.78M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,889
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,463
−HK$3,631/mo
Today · 4.125%
HK$122,094
baseline
▲ 0.50% · 4.625%
HK$129,523
+HK$7,429/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$244,188/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,813
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,241
−HK$3,478/mo
Today · 4.125%
HK$134,719
baseline
▲ 0.50% · 4.625%
HK$141,820
+HK$7,101/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$269,438/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,038
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,207
−HK$4,236/mo
Today · 4.125%
HK$142,443
baseline
▲ 0.50% · 4.625%
HK$151,110
+HK$8,667/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$284,886/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,115
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$153,115
−HK$4,057/mo
Today · 4.125%
HK$157,172
baseline
▲ 0.50% · 4.625%
HK$165,456
+HK$8,284/mo
Deposit HK$12.60M · loan HK$29.39M · min. income ≈ HK$314,344/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,334
−HK$10,807/mo
▼ 0.25% · 3.875%
HK$177,695
−HK$5,446/mo
Today · 4.125%
HK$183,141
baseline
▲ 0.50% · 4.625%
HK$194,285
+HK$11,144/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$366,282/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,720
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$196,862
−HK$5,216/mo
Today · 4.125%
HK$202,078
baseline
▲ 0.50% · 4.625%
HK$212,730
+HK$10,652/mo
Deposit HK$4.20M · loan HK$37.79M · min. income ≈ HK$404,156/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,447 · Scale 2, in force from 26 Feb 2026)