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$95,433
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,401
−HK$3,016/mo
Today · 4.125%
HK$101,417
baseline
▲ 0.50% · 4.625%
HK$107,588
+HK$6,171/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,834/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,168
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,015
−HK$2,889/mo
Today · 4.125%
HK$111,904
baseline
▲ 0.50% · 4.625%
HK$117,802
+HK$5,898/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,808/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,519
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,081
−HK$3,619/mo
Today · 4.125%
HK$121,700
baseline
▲ 0.50% · 4.625%
HK$129,106
+HK$7,406/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$243,400/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,401
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,818
−HK$3,466/mo
Today · 4.125%
HK$134,284
baseline
▲ 0.50% · 4.625%
HK$141,363
+HK$7,079/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,568/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,606
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,762
−HK$4,222/mo
Today · 4.125%
HK$141,984
baseline
▲ 0.50% · 4.625%
HK$150,623
+HK$8,639/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$283,968/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,635
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,621
−HK$4,044/mo
Today · 4.125%
HK$156,665
baseline
▲ 0.50% · 4.625%
HK$164,923
+HK$8,258/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,330/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,779
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,122
−HK$5,429/mo
Today · 4.125%
HK$182,551
baseline
▲ 0.50% · 4.625%
HK$193,659
+HK$11,108/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,102/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,102
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,227
−HK$5,200/mo
Today · 4.125%
HK$201,427
baseline
▲ 0.50% · 4.625%
HK$212,044
+HK$10,617/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,854/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,698 · Scale 2, in force from 26 Feb 2026)