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$95,440
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,409
−HK$3,016/mo
Today · 4.125%
HK$101,425
baseline
▲ 0.50% · 4.625%
HK$107,597
+HK$6,172/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,850/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,176
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,024
−HK$2,889/mo
Today · 4.125%
HK$111,913
baseline
▲ 0.50% · 4.625%
HK$117,812
+HK$5,899/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,826/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,528
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,091
−HK$3,619/mo
Today · 4.125%
HK$121,710
baseline
▲ 0.50% · 4.625%
HK$129,116
+HK$7,406/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$243,420/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,412
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,829
−HK$3,466/mo
Today · 4.125%
HK$134,295
baseline
▲ 0.50% · 4.625%
HK$141,374
+HK$7,079/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,590/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,616
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$137,773
−HK$4,222/mo
Today · 4.125%
HK$141,995
baseline
▲ 0.50% · 4.625%
HK$150,635
+HK$8,640/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$283,990/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,647
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,633
−HK$4,045/mo
Today · 4.125%
HK$156,678
baseline
▲ 0.50% · 4.625%
HK$164,936
+HK$8,258/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,356/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,792
−HK$10,773/mo
▼ 0.25% · 3.875%
HK$177,136
−HK$5,429/mo
Today · 4.125%
HK$182,565
baseline
▲ 0.50% · 4.625%
HK$193,674
+HK$11,109/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,130/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,117
−HK$10,326/mo
▼ 0.25% · 3.875%
HK$196,243
−HK$5,200/mo
Today · 4.125%
HK$201,443
baseline
▲ 0.50% · 4.625%
HK$212,061
+HK$10,618/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,886/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,840 · Scale 2, in force from 26 Feb 2026)