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$95,590
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,564
−HK$3,021/mo
Today · 4.125%
HK$101,585
baseline
▲ 0.50% · 4.625%
HK$107,766
+HK$6,181/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,170/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,343
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,195
−HK$2,894/mo
Today · 4.125%
HK$112,089
baseline
▲ 0.50% · 4.625%
HK$117,997
+HK$5,908/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,178/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,708
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,276
−HK$3,625/mo
Today · 4.125%
HK$121,901
baseline
▲ 0.50% · 4.625%
HK$129,319
+HK$7,418/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,802/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,612
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,034
−HK$3,472/mo
Today · 4.125%
HK$134,506
baseline
▲ 0.50% · 4.625%
HK$141,596
+HK$7,090/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,012/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,826
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,989
−HK$4,229/mo
Today · 4.125%
HK$142,218
baseline
▲ 0.50% · 4.625%
HK$150,872
+HK$8,654/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$284,436/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,880
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,873
−HK$4,051/mo
Today · 4.125%
HK$156,924
baseline
▲ 0.50% · 4.625%
HK$165,196
+HK$8,272/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$313,848/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,062
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$177,415
−HK$5,437/mo
Today · 4.125%
HK$182,852
baseline
▲ 0.50% · 4.625%
HK$193,978
+HK$11,126/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,704/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,418
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$196,551
−HK$5,208/mo
Today · 4.125%
HK$201,759
baseline
▲ 0.50% · 4.625%
HK$212,394
+HK$10,635/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,518/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,635 · Scale 2, in force from 26 Feb 2026)