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$1,778,744 · 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$117,805
+HK$5,898/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$1,778,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,522
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,084
−HK$3,620/mo
Today · 4.125%
HK$121,704
baseline
▲ 0.50% · 4.625%
HK$129,109
+HK$7,405/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$1,778,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,405
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,822
−HK$3,466/mo
Today · 4.125%
HK$134,288
baseline
▲ 0.50% · 4.625%
HK$141,366
+HK$7,078/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,576/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,609
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$137,765
−HK$4,223/mo
Today · 4.125%
HK$141,988
baseline
▲ 0.50% · 4.625%
HK$150,627
+HK$8,639/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$1,778,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,639
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,625
−HK$4,044/mo
Today · 4.125%
HK$156,669
baseline
▲ 0.50% · 4.625%
HK$164,928
+HK$8,259/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,338/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,783
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,127
−HK$5,428/mo
Today · 4.125%
HK$182,555
baseline
▲ 0.50% · 4.625%
HK$193,664
+HK$11,109/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,110/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,107
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,232
−HK$5,200/mo
Today · 4.125%
HK$201,432
baseline
▲ 0.50% · 4.625%
HK$212,050
+HK$10,618/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,864/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,744 · Scale 2, in force from 26 Feb 2026)