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$95,536
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,507
−HK$3,020/mo
Today · 4.125%
HK$101,527
baseline
▲ 0.50% · 4.625%
HK$107,704
+HK$6,177/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,054/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,282
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,133
−HK$2,892/mo
Today · 4.125%
HK$112,025
baseline
▲ 0.50% · 4.625%
HK$117,929
+HK$5,904/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,050/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,643
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$118,209
−HK$3,623/mo
Today · 4.125%
HK$121,832
baseline
▲ 0.50% · 4.625%
HK$129,245
+HK$7,413/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$243,664/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,539
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,959
−HK$3,470/mo
Today · 4.125%
HK$134,429
baseline
▲ 0.50% · 4.625%
HK$141,515
+HK$7,086/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$268,858/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,750
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,910
−HK$4,227/mo
Today · 4.125%
HK$142,137
baseline
▲ 0.50% · 4.625%
HK$150,786
+HK$8,649/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$284,274/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,795
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,786
−HK$4,048/mo
Today · 4.125%
HK$156,834
baseline
▲ 0.50% · 4.625%
HK$165,101
+HK$8,267/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$313,668/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,964
−HK$10,784/mo
▼ 0.25% · 3.875%
HK$177,313
−HK$5,435/mo
Today · 4.125%
HK$182,748
baseline
▲ 0.50% · 4.625%
HK$193,868
+HK$11,120/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$365,496/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,308
−HK$10,336/mo
▼ 0.25% · 3.875%
HK$196,439
−HK$5,205/mo
Today · 4.125%
HK$201,644
baseline
▲ 0.50% · 4.625%
HK$212,273
+HK$10,629/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$403,288/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,618 · Scale 2, in force from 26 Feb 2026)