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$95,554
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,527
−HK$3,020/mo
Today · 4.125%
HK$101,547
baseline
▲ 0.50% · 4.625%
HK$107,725
+HK$6,178/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,094/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,303
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,154
−HK$2,893/mo
Today · 4.125%
HK$112,047
baseline
▲ 0.50% · 4.625%
HK$117,953
+HK$5,906/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,094/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,665
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,232
−HK$3,624/mo
Today · 4.125%
HK$121,856
baseline
▲ 0.50% · 4.625%
HK$129,271
+HK$7,415/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$243,712/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,564
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,985
−HK$3,471/mo
Today · 4.125%
HK$134,456
baseline
▲ 0.50% · 4.625%
HK$141,543
+HK$7,087/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$268,912/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,776
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$137,937
−HK$4,228/mo
Today · 4.125%
HK$142,165
baseline
▲ 0.50% · 4.625%
HK$150,816
+HK$8,651/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$284,330/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,825
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,816
−HK$4,049/mo
Today · 4.125%
HK$156,865
baseline
▲ 0.50% · 4.625%
HK$165,134
+HK$8,269/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$313,730/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,998
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,348
−HK$5,436/mo
Today · 4.125%
HK$182,784
baseline
▲ 0.50% · 4.625%
HK$193,906
+HK$11,122/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$365,568/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,346
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$196,478
−HK$5,206/mo
Today · 4.125%
HK$201,684
baseline
▲ 0.50% · 4.625%
HK$212,315
+HK$10,631/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$403,368/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,969 · Scale 2, in force from 26 Feb 2026)