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$95,524
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,495
−HK$3,019/mo
Today · 4.125%
HK$101,514
baseline
▲ 0.50% · 4.625%
HK$107,691
+HK$6,177/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,028/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,269
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,119
−HK$2,891/mo
Today · 4.125%
HK$112,010
baseline
▲ 0.50% · 4.625%
HK$117,915
+HK$5,905/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,020/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,628
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,194
−HK$3,622/mo
Today · 4.125%
HK$121,816
baseline
▲ 0.50% · 4.625%
HK$129,229
+HK$7,413/mo
Deposit HK$16.76M · loan HK$25.13M · min. income ≈ HK$243,632/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,523
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$130,943
−HK$3,469/mo
Today · 4.125%
HK$134,412
baseline
▲ 0.50% · 4.625%
HK$141,497
+HK$7,085/mo
Deposit HK$16.76M · loan HK$25.13M · min. income ≈ HK$268,824/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,733
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,893
−HK$4,226/mo
Today · 4.125%
HK$142,119
baseline
▲ 0.50% · 4.625%
HK$150,767
+HK$8,648/mo
Deposit HK$12.57M · loan HK$29.32M · min. income ≈ HK$284,238/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,777
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$152,767
−HK$4,047/mo
Today · 4.125%
HK$156,814
baseline
▲ 0.50% · 4.625%
HK$165,080
+HK$8,266/mo
Deposit HK$12.57M · loan HK$29.32M · min. income ≈ HK$313,628/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,942
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$177,291
−HK$5,434/mo
Today · 4.125%
HK$182,725
baseline
▲ 0.50% · 4.625%
HK$193,843
+HK$11,118/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$365,450/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,284
−HK$10,335/mo
▼ 0.25% · 3.875%
HK$196,414
−HK$5,205/mo
Today · 4.125%
HK$201,619
baseline
▲ 0.50% · 4.625%
HK$212,246
+HK$10,627/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$403,238/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,392 · Scale 2, in force from 26 Feb 2026)