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$95,593
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,566
−HK$3,021/mo
Today · 4.125%
HK$101,587
baseline
▲ 0.50% · 4.625%
HK$107,769
+HK$6,182/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,174/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,346
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,198
−HK$2,894/mo
Today · 4.125%
HK$112,092
baseline
▲ 0.50% · 4.625%
HK$118,000
+HK$5,908/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,184/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,711
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$118,280
−HK$3,625/mo
Today · 4.125%
HK$121,905
baseline
▲ 0.50% · 4.625%
HK$129,322
+HK$7,417/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,810/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,615
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,038
−HK$3,472/mo
Today · 4.125%
HK$134,510
baseline
▲ 0.50% · 4.625%
HK$141,600
+HK$7,090/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,020/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,830
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,993
−HK$4,229/mo
Today · 4.125%
HK$142,222
baseline
▲ 0.50% · 4.625%
HK$150,876
+HK$8,654/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$284,444/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,884
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,878
−HK$4,050/mo
Today · 4.125%
HK$156,928
baseline
▲ 0.50% · 4.625%
HK$165,200
+HK$8,272/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$313,856/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,067
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$177,419
−HK$5,438/mo
Today · 4.125%
HK$182,857
baseline
▲ 0.50% · 4.625%
HK$193,984
+HK$11,127/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,714/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,423
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$196,557
−HK$5,208/mo
Today · 4.125%
HK$201,765
baseline
▲ 0.50% · 4.625%
HK$212,400
+HK$10,635/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,530/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,684 · Scale 2, in force from 26 Feb 2026)