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$95,450
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,419
−HK$3,017/mo
Today · 4.125%
HK$101,436
baseline
▲ 0.50% · 4.625%
HK$107,608
+HK$6,172/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,872/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,188
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,035
−HK$2,890/mo
Today · 4.125%
HK$111,925
baseline
▲ 0.50% · 4.625%
HK$117,824
+HK$5,899/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,850/mo (50% DSR)
Upfront cash ≈ HK$22.71M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,540
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,103
−HK$3,620/mo
Today · 4.125%
HK$121,723
baseline
▲ 0.50% · 4.625%
HK$129,130
+HK$7,407/mo
Deposit HK$16.74M · loan HK$25.12M · min. income ≈ HK$243,446/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,425
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,843
−HK$3,467/mo
Today · 4.125%
HK$134,310
baseline
▲ 0.50% · 4.625%
HK$141,389
+HK$7,079/mo
Deposit HK$16.74M · loan HK$25.12M · min. income ≈ HK$268,620/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,631
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$137,787
−HK$4,223/mo
Today · 4.125%
HK$142,010
baseline
▲ 0.50% · 4.625%
HK$150,651
+HK$8,641/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$284,020/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,663
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,650
−HK$4,044/mo
Today · 4.125%
HK$156,694
baseline
▲ 0.50% · 4.625%
HK$164,954
+HK$8,260/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,388/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,811
−HK$10,774/mo
▼ 0.25% · 3.875%
HK$177,155
−HK$5,430/mo
Today · 4.125%
HK$182,585
baseline
▲ 0.50% · 4.625%
HK$193,695
+HK$11,110/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,170/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,138
−HK$10,326/mo
▼ 0.25% · 3.875%
HK$196,264
−HK$5,200/mo
Today · 4.125%
HK$201,464
baseline
▲ 0.50% · 4.625%
HK$212,084
+HK$10,620/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,928/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,779,029 · Scale 2, in force from 26 Feb 2026)