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$95,670
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,646
−HK$3,023/mo
Today · 4.125%
HK$101,669
baseline
▲ 0.50% · 4.625%
HK$107,855
+HK$6,186/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$203,338/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,432
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,286
−HK$2,896/mo
Today · 4.125%
HK$112,182
baseline
▲ 0.50% · 4.625%
HK$118,095
+HK$5,913/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$224,364/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,804
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,375
−HK$3,628/mo
Today · 4.125%
HK$122,003
baseline
▲ 0.50% · 4.625%
HK$129,427
+HK$7,424/mo
Deposit HK$16.78M · loan HK$25.17M · min. income ≈ HK$244,006/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,718
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,143
−HK$3,475/mo
Today · 4.125%
HK$134,618
baseline
▲ 0.50% · 4.625%
HK$141,714
+HK$7,096/mo
Deposit HK$16.78M · loan HK$25.17M · min. income ≈ HK$269,236/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,938
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$138,104
−HK$4,233/mo
Today · 4.125%
HK$142,337
baseline
▲ 0.50% · 4.625%
HK$150,998
+HK$8,661/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$284,674/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,004
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$153,001
−HK$4,054/mo
Today · 4.125%
HK$157,055
baseline
▲ 0.50% · 4.625%
HK$165,333
+HK$8,278/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$314,110/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,206
−HK$10,798/mo
▼ 0.25% · 3.875%
HK$177,562
−HK$5,442/mo
Today · 4.125%
HK$183,004
baseline
▲ 0.50% · 4.625%
HK$194,140
+HK$11,136/mo
Deposit HK$4.20M · loan HK$37.76M · min. income ≈ HK$366,008/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,577
−HK$10,350/mo
▼ 0.25% · 3.875%
HK$196,715
−HK$5,212/mo
Today · 4.125%
HK$201,927
baseline
▲ 0.50% · 4.625%
HK$212,571
+HK$10,644/mo
Deposit HK$4.20M · loan HK$37.76M · min. income ≈ HK$403,854/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,118 · Scale 2, in force from 26 Feb 2026)