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$95,451
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,420
−HK$3,016/mo
Today · 4.125%
HK$101,436
baseline
▲ 0.50% · 4.625%
HK$107,609
+HK$6,173/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,872/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,188
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,036
−HK$2,889/mo
Today · 4.125%
HK$111,925
baseline
▲ 0.50% · 4.625%
HK$117,825
+HK$5,900/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,850/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,541
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,104
−HK$3,620/mo
Today · 4.125%
HK$121,724
baseline
▲ 0.50% · 4.625%
HK$129,130
+HK$7,406/mo
Deposit HK$16.74M · loan HK$25.12M · min. income ≈ HK$243,448/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,426
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$130,843
−HK$3,467/mo
Today · 4.125%
HK$134,310
baseline
▲ 0.50% · 4.625%
HK$141,390
+HK$7,080/mo
Deposit HK$16.74M · loan HK$25.12M · min. income ≈ HK$268,620/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,631
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$137,788
−HK$4,223/mo
Today · 4.125%
HK$142,011
baseline
▲ 0.50% · 4.625%
HK$150,652
+HK$8,641/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$284,022/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,663
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$152,650
−HK$4,045/mo
Today · 4.125%
HK$156,695
baseline
▲ 0.50% · 4.625%
HK$164,955
+HK$8,260/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,390/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,811
−HK$10,775/mo
▼ 0.25% · 3.875%
HK$177,156
−HK$5,430/mo
Today · 4.125%
HK$182,586
baseline
▲ 0.50% · 4.625%
HK$193,695
+HK$11,109/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,172/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,138
−HK$10,327/mo
▼ 0.25% · 3.875%
HK$196,265
−HK$5,200/mo
Today · 4.125%
HK$201,465
baseline
▲ 0.50% · 4.625%
HK$212,085
+HK$10,620/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,930/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,037 · Scale 2, in force from 26 Feb 2026)