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$95,489
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,460
−HK$3,017/mo
Today · 4.125%
HK$101,477
baseline
▲ 0.50% · 4.625%
HK$107,652
+HK$6,175/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$202,954/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,231
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,080
−HK$2,890/mo
Today · 4.125%
HK$111,970
baseline
▲ 0.50% · 4.625%
HK$117,872
+HK$5,902/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$223,940/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,587
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,151
−HK$3,622/mo
Today · 4.125%
HK$121,773
baseline
▲ 0.50% · 4.625%
HK$129,182
+HK$7,409/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$243,546/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,477
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,896
−HK$3,468/mo
Today · 4.125%
HK$134,364
baseline
▲ 0.50% · 4.625%
HK$141,447
+HK$7,083/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$268,728/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,685
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$137,843
−HK$4,225/mo
Today · 4.125%
HK$142,068
baseline
▲ 0.50% · 4.625%
HK$150,713
+HK$8,645/mo
Deposit HK$12.56M · loan HK$29.31M · min. income ≈ HK$284,136/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,723
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$152,712
−HK$4,046/mo
Today · 4.125%
HK$156,758
baseline
▲ 0.50% · 4.625%
HK$165,021
+HK$8,263/mo
Deposit HK$12.56M · loan HK$29.31M · min. income ≈ HK$313,516/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,881
−HK$10,778/mo
▼ 0.25% · 3.875%
HK$177,227
−HK$5,432/mo
Today · 4.125%
HK$182,659
baseline
▲ 0.50% · 4.625%
HK$193,774
+HK$11,115/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$365,318/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,216
−HK$10,330/mo
▼ 0.25% · 3.875%
HK$196,344
−HK$5,202/mo
Today · 4.125%
HK$201,546
baseline
▲ 0.50% · 4.625%
HK$212,170
+HK$10,624/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$403,092/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,754 · Scale 2, in force from 26 Feb 2026)