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$95,520
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,492
−HK$3,018/mo
Today · 4.125%
HK$101,510
baseline
▲ 0.50% · 4.625%
HK$107,687
+HK$6,177/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,020/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,265
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,115
−HK$2,892/mo
Today · 4.125%
HK$112,007
baseline
▲ 0.50% · 4.625%
HK$117,911
+HK$5,904/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,014/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,624
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,190
−HK$3,622/mo
Today · 4.125%
HK$121,812
baseline
▲ 0.50% · 4.625%
HK$129,224
+HK$7,412/mo
Deposit HK$16.76M · loan HK$25.13M · min. income ≈ HK$243,624/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,518
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,938
−HK$3,470/mo
Today · 4.125%
HK$134,408
baseline
▲ 0.50% · 4.625%
HK$141,493
+HK$7,085/mo
Deposit HK$16.76M · loan HK$25.13M · min. income ≈ HK$268,816/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,728
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,888
−HK$4,226/mo
Today · 4.125%
HK$142,114
baseline
▲ 0.50% · 4.625%
HK$150,762
+HK$8,648/mo
Deposit HK$12.57M · loan HK$29.32M · min. income ≈ HK$284,228/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,772
−HK$8,037/mo
▼ 0.25% · 3.875%
HK$152,762
−HK$4,047/mo
Today · 4.125%
HK$156,809
baseline
▲ 0.50% · 4.625%
HK$165,075
+HK$8,266/mo
Deposit HK$12.57M · loan HK$29.32M · min. income ≈ HK$313,618/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,937
−HK$10,781/mo
▼ 0.25% · 3.875%
HK$177,285
−HK$5,433/mo
Today · 4.125%
HK$182,718
baseline
▲ 0.50% · 4.625%
HK$193,836
+HK$11,118/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$365,436/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,278
−HK$10,334/mo
▼ 0.25% · 3.875%
HK$196,408
−HK$5,204/mo
Today · 4.125%
HK$201,612
baseline
▲ 0.50% · 4.625%
HK$212,239
+HK$10,627/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$403,224/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,332 · Scale 2, in force from 26 Feb 2026)