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$95,500
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,471
−HK$3,018/mo
Today · 4.125%
HK$101,489
baseline
▲ 0.50% · 4.625%
HK$107,664
+HK$6,175/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$202,978/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,243
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,092
−HK$2,891/mo
Today · 4.125%
HK$111,983
baseline
▲ 0.50% · 4.625%
HK$117,885
+HK$5,902/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$223,966/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,600
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,165
−HK$3,621/mo
Today · 4.125%
HK$121,786
baseline
▲ 0.50% · 4.625%
HK$129,197
+HK$7,411/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$243,572/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,491
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,911
−HK$3,468/mo
Today · 4.125%
HK$134,379
baseline
▲ 0.50% · 4.625%
HK$141,463
+HK$7,084/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$268,758/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,700
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,859
−HK$4,225/mo
Today · 4.125%
HK$142,084
baseline
▲ 0.50% · 4.625%
HK$150,730
+HK$8,646/mo
Deposit HK$12.56M · loan HK$29.32M · min. income ≈ HK$284,168/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,740
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,729
−HK$4,047/mo
Today · 4.125%
HK$156,776
baseline
▲ 0.50% · 4.625%
HK$165,040
+HK$8,264/mo
Deposit HK$12.56M · loan HK$29.32M · min. income ≈ HK$313,552/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,900
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$177,247
−HK$5,433/mo
Today · 4.125%
HK$182,680
baseline
▲ 0.50% · 4.625%
HK$193,795
+HK$11,115/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$365,360/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,237
−HK$10,332/mo
▼ 0.25% · 3.875%
HK$196,366
−HK$5,203/mo
Today · 4.125%
HK$201,569
baseline
▲ 0.50% · 4.625%
HK$212,194
+HK$10,625/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$403,138/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,953 · Scale 2, in force from 26 Feb 2026)