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$95,505
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,475
−HK$3,019/mo
Today · 4.125%
HK$101,494
baseline
▲ 0.50% · 4.625%
HK$107,669
+HK$6,175/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$202,988/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,248
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,097
−HK$2,891/mo
Today · 4.125%
HK$111,988
baseline
▲ 0.50% · 4.625%
HK$117,891
+HK$5,903/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$223,976/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,606
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,170
−HK$3,622/mo
Today · 4.125%
HK$121,792
baseline
▲ 0.50% · 4.625%
HK$129,203
+HK$7,411/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$243,584/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,498
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,917
−HK$3,469/mo
Today · 4.125%
HK$134,386
baseline
▲ 0.50% · 4.625%
HK$141,469
+HK$7,083/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$268,772/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,706
−HK$8,385/mo
▼ 0.25% · 3.875%
HK$137,865
−HK$4,226/mo
Today · 4.125%
HK$142,091
baseline
▲ 0.50% · 4.625%
HK$150,737
+HK$8,646/mo
Deposit HK$12.56M · loan HK$29.32M · min. income ≈ HK$284,182/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,747
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,736
−HK$4,047/mo
Today · 4.125%
HK$156,783
baseline
▲ 0.50% · 4.625%
HK$165,048
+HK$8,265/mo
Deposit HK$12.56M · loan HK$29.32M · min. income ≈ HK$313,566/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,908
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$177,256
−HK$5,432/mo
Today · 4.125%
HK$182,688
baseline
▲ 0.50% · 4.625%
HK$193,805
+HK$11,117/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$365,376/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,246
−HK$10,333/mo
▼ 0.25% · 3.875%
HK$196,375
−HK$5,204/mo
Today · 4.125%
HK$201,579
baseline
▲ 0.50% · 4.625%
HK$212,204
+HK$10,625/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$403,158/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,040 · Scale 2, in force from 26 Feb 2026)