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$95,595
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,569
−HK$3,021/mo
Today · 4.125%
HK$101,590
baseline
▲ 0.50% · 4.625%
HK$107,772
+HK$6,182/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,180/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,349
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,201
−HK$2,894/mo
Today · 4.125%
HK$112,095
baseline
▲ 0.50% · 4.625%
HK$118,003
+HK$5,908/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,190/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,714
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$118,283
−HK$3,625/mo
Today · 4.125%
HK$121,908
baseline
▲ 0.50% · 4.625%
HK$129,326
+HK$7,418/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,816/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,619
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,041
−HK$3,473/mo
Today · 4.125%
HK$134,514
baseline
▲ 0.50% · 4.625%
HK$141,604
+HK$7,090/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,028/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,834
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,997
−HK$4,229/mo
Today · 4.125%
HK$142,226
baseline
▲ 0.50% · 4.625%
HK$150,880
+HK$8,654/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$284,452/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,888
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,882
−HK$4,050/mo
Today · 4.125%
HK$156,932
baseline
▲ 0.50% · 4.625%
HK$165,205
+HK$8,273/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$313,864/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,072
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$177,424
−HK$5,438/mo
Today · 4.125%
HK$182,862
baseline
▲ 0.50% · 4.625%
HK$193,989
+HK$11,127/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,724/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,428
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$196,562
−HK$5,208/mo
Today · 4.125%
HK$201,770
baseline
▲ 0.50% · 4.625%
HK$212,406
+HK$10,636/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,540/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,732 · Scale 2, in force from 26 Feb 2026)