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$95,591
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,564
−HK$3,021/mo
Today · 4.125%
HK$101,585
baseline
▲ 0.50% · 4.625%
HK$107,766
+HK$6,181/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,170/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,344
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,196
−HK$2,893/mo
Today · 4.125%
HK$112,089
baseline
▲ 0.50% · 4.625%
HK$117,998
+HK$5,909/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,178/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,709
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,277
−HK$3,625/mo
Today · 4.125%
HK$121,902
baseline
▲ 0.50% · 4.625%
HK$129,320
+HK$7,418/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,804/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,612
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,035
−HK$3,472/mo
Today · 4.125%
HK$134,507
baseline
▲ 0.50% · 4.625%
HK$141,597
+HK$7,090/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,014/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,827
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,990
−HK$4,229/mo
Today · 4.125%
HK$142,219
baseline
▲ 0.50% · 4.625%
HK$150,873
+HK$8,654/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$284,438/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,881
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,874
−HK$4,051/mo
Today · 4.125%
HK$156,925
baseline
▲ 0.50% · 4.625%
HK$165,197
+HK$8,272/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$313,850/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,063
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$177,415
−HK$5,438/mo
Today · 4.125%
HK$182,853
baseline
▲ 0.50% · 4.625%
HK$193,979
+HK$11,126/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,706/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,419
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$196,552
−HK$5,208/mo
Today · 4.125%
HK$201,760
baseline
▲ 0.50% · 4.625%
HK$212,396
+HK$10,636/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,520/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,645 · Scale 2, in force from 26 Feb 2026)