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$95,435
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,404
−HK$3,016/mo
Today · 4.125%
HK$101,420
baseline
▲ 0.50% · 4.625%
HK$107,591
+HK$6,171/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,840/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,171
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,018
−HK$2,889/mo
Today · 4.125%
HK$111,907
baseline
▲ 0.50% · 4.625%
HK$117,806
+HK$5,899/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,814/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,523
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,085
−HK$3,619/mo
Today · 4.125%
HK$121,704
baseline
▲ 0.50% · 4.625%
HK$129,110
+HK$7,406/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$243,408/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,405
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$130,822
−HK$3,467/mo
Today · 4.125%
HK$134,289
baseline
▲ 0.50% · 4.625%
HK$141,367
+HK$7,078/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,578/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,610
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,766
−HK$4,222/mo
Today · 4.125%
HK$141,988
baseline
▲ 0.50% · 4.625%
HK$150,628
+HK$8,640/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$283,976/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,639
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,626
−HK$4,044/mo
Today · 4.125%
HK$156,670
baseline
▲ 0.50% · 4.625%
HK$164,928
+HK$8,258/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,340/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,784
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,127
−HK$5,429/mo
Today · 4.125%
HK$182,556
baseline
▲ 0.50% · 4.625%
HK$193,664
+HK$11,108/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,112/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,108
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,233
−HK$5,200/mo
Today · 4.125%
HK$201,433
baseline
▲ 0.50% · 4.625%
HK$212,051
+HK$10,618/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,866/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,751 · Scale 2, in force from 26 Feb 2026)