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$95,408
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$98,376
−HK$3,015/mo
Today · 4.125%
HK$101,391
baseline
▲ 0.50% · 4.625%
HK$107,561
+HK$6,170/mo
Deposit HK$20.92M · loan HK$20.92M · min. income ≈ HK$202,782/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,141
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$108,987
−HK$2,888/mo
Today · 4.125%
HK$111,875
baseline
▲ 0.50% · 4.625%
HK$117,772
+HK$5,897/mo
Deposit HK$20.92M · loan HK$20.92M · min. income ≈ HK$223,750/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,490
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,051
−HK$3,618/mo
Today · 4.125%
HK$121,669
baseline
▲ 0.50% · 4.625%
HK$129,073
+HK$7,404/mo
Deposit HK$16.74M · loan HK$25.10M · min. income ≈ HK$243,338/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,369
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,785
−HK$3,465/mo
Today · 4.125%
HK$134,250
baseline
▲ 0.50% · 4.625%
HK$141,327
+HK$7,077/mo
Deposit HK$16.74M · loan HK$25.10M · min. income ≈ HK$268,500/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,571
−HK$8,377/mo
▼ 0.25% · 3.875%
HK$137,726
−HK$4,222/mo
Today · 4.125%
HK$141,948
baseline
▲ 0.50% · 4.625%
HK$150,585
+HK$8,637/mo
Deposit HK$12.55M · loan HK$29.29M · min. income ≈ HK$283,896/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,597
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$152,582
−HK$4,043/mo
Today · 4.125%
HK$156,625
baseline
▲ 0.50% · 4.625%
HK$164,881
+HK$8,256/mo
Deposit HK$12.55M · loan HK$29.29M · min. income ≈ HK$313,250/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,735
−HK$10,769/mo
▼ 0.25% · 3.875%
HK$177,077
−HK$5,427/mo
Today · 4.125%
HK$182,504
baseline
▲ 0.50% · 4.625%
HK$193,609
+HK$11,105/mo
Deposit HK$4.18M · loan HK$37.66M · min. income ≈ HK$365,008/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,053
−HK$10,322/mo
▼ 0.25% · 3.875%
HK$196,177
−HK$5,198/mo
Today · 4.125%
HK$201,375
baseline
▲ 0.50% · 4.625%
HK$211,990
+HK$10,615/mo
Deposit HK$4.18M · loan HK$37.66M · min. income ≈ HK$402,750/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,243 · Scale 2, in force from 26 Feb 2026)