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$95,704
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,681
−HK$3,025/mo
Today · 4.125%
HK$101,706
baseline
▲ 0.50% · 4.625%
HK$107,894
+HK$6,188/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$203,412/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,470
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,325
−HK$2,897/mo
Today · 4.125%
HK$112,222
baseline
▲ 0.50% · 4.625%
HK$118,137
+HK$5,915/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$224,444/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,845
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,417
−HK$3,630/mo
Today · 4.125%
HK$122,047
baseline
▲ 0.50% · 4.625%
HK$129,473
+HK$7,426/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$244,094/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,764
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,190
−HK$3,476/mo
Today · 4.125%
HK$134,666
baseline
▲ 0.50% · 4.625%
HK$141,765
+HK$7,099/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$269,332/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,986
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,153
−HK$4,235/mo
Today · 4.125%
HK$142,388
baseline
▲ 0.50% · 4.625%
HK$151,052
+HK$8,664/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$284,776/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,058
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,055
−HK$4,056/mo
Today · 4.125%
HK$157,111
baseline
▲ 0.50% · 4.625%
HK$165,392
+HK$8,281/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$314,222/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,267
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$177,626
−HK$5,444/mo
Today · 4.125%
HK$183,070
baseline
▲ 0.50% · 4.625%
HK$194,209
+HK$11,139/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$366,140/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,646
−HK$10,354/mo
▼ 0.25% · 3.875%
HK$196,786
−HK$5,214/mo
Today · 4.125%
HK$202,000
baseline
▲ 0.50% · 4.625%
HK$212,647
+HK$10,647/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$404,000/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,757 · Scale 2, in force from 26 Feb 2026)