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$95,678
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,654
−HK$3,023/mo
Today · 4.125%
HK$101,677
baseline
▲ 0.50% · 4.625%
HK$107,864
+HK$6,187/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$203,354/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,440
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,295
−HK$2,896/mo
Today · 4.125%
HK$112,191
baseline
▲ 0.50% · 4.625%
HK$118,105
+HK$5,914/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$224,382/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,813
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,384
−HK$3,629/mo
Today · 4.125%
HK$122,013
baseline
▲ 0.50% · 4.625%
HK$129,437
+HK$7,424/mo
Deposit HK$16.78M · loan HK$25.18M · min. income ≈ HK$244,026/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,728
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,154
−HK$3,475/mo
Today · 4.125%
HK$134,629
baseline
▲ 0.50% · 4.625%
HK$141,726
+HK$7,097/mo
Deposit HK$16.78M · loan HK$25.18M · min. income ≈ HK$269,258/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,949
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$138,115
−HK$4,233/mo
Today · 4.125%
HK$142,348
baseline
▲ 0.50% · 4.625%
HK$151,010
+HK$8,662/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$284,696/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,017
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$153,013
−HK$4,054/mo
Today · 4.125%
HK$157,067
baseline
▲ 0.50% · 4.625%
HK$165,347
+HK$8,280/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$314,134/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,220
−HK$10,799/mo
▼ 0.25% · 3.875%
HK$177,577
−HK$5,442/mo
Today · 4.125%
HK$183,019
baseline
▲ 0.50% · 4.625%
HK$194,156
+HK$11,137/mo
Deposit HK$4.20M · loan HK$37.76M · min. income ≈ HK$366,038/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,593
−HK$10,351/mo
▼ 0.25% · 3.875%
HK$196,731
−HK$5,213/mo
Today · 4.125%
HK$201,944
baseline
▲ 0.50% · 4.625%
HK$212,589
+HK$10,645/mo
Deposit HK$4.20M · loan HK$37.76M · min. income ≈ HK$403,888/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,264 · Scale 2, in force from 26 Feb 2026)