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$95,695
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$98,672
−HK$3,024/mo
Today · 4.125%
HK$101,696
baseline
▲ 0.50% · 4.625%
HK$107,884
+HK$6,188/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$203,392/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,460
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,315
−HK$2,896/mo
Today · 4.125%
HK$112,211
baseline
▲ 0.50% · 4.625%
HK$118,126
+HK$5,915/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$224,422/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,834
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$118,406
−HK$3,629/mo
Today · 4.125%
HK$122,035
baseline
▲ 0.50% · 4.625%
HK$129,461
+HK$7,426/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$244,070/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,752
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,178
−HK$3,476/mo
Today · 4.125%
HK$134,654
baseline
▲ 0.50% · 4.625%
HK$141,752
+HK$7,098/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$269,308/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,973
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,140
−HK$4,234/mo
Today · 4.125%
HK$142,374
baseline
▲ 0.50% · 4.625%
HK$151,037
+HK$8,663/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$284,748/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,044
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,041
−HK$4,055/mo
Today · 4.125%
HK$157,096
baseline
▲ 0.50% · 4.625%
HK$165,377
+HK$8,281/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$314,192/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,251
−HK$10,802/mo
▼ 0.25% · 3.875%
HK$177,609
−HK$5,444/mo
Today · 4.125%
HK$183,053
baseline
▲ 0.50% · 4.625%
HK$194,191
+HK$11,138/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$366,106/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,628
−HK$10,353/mo
▼ 0.25% · 3.875%
HK$196,767
−HK$5,214/mo
Today · 4.125%
HK$201,981
baseline
▲ 0.50% · 4.625%
HK$212,627
+HK$10,646/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$403,962/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,589 · Scale 2, in force from 26 Feb 2026)