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$95,597
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,570
−HK$3,021/mo
Today · 4.125%
HK$101,591
baseline
▲ 0.50% · 4.625%
HK$107,773
+HK$6,182/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,182/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,350
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,203
−HK$2,893/mo
Today · 4.125%
HK$112,096
baseline
▲ 0.50% · 4.625%
HK$118,005
+HK$5,909/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,192/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,716
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$118,284
−HK$3,626/mo
Today · 4.125%
HK$121,910
baseline
▲ 0.50% · 4.625%
HK$129,328
+HK$7,418/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,820/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,620
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,043
−HK$3,472/mo
Today · 4.125%
HK$134,515
baseline
▲ 0.50% · 4.625%
HK$141,606
+HK$7,091/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,030/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,835
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$137,998
−HK$4,230/mo
Today · 4.125%
HK$142,228
baseline
▲ 0.50% · 4.625%
HK$150,882
+HK$8,654/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$284,456/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,891
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,884
−HK$4,051/mo
Today · 4.125%
HK$156,935
baseline
▲ 0.50% · 4.625%
HK$165,207
+HK$8,272/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$313,870/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,074
−HK$10,791/mo
▼ 0.25% · 3.875%
HK$177,427
−HK$5,438/mo
Today · 4.125%
HK$182,865
baseline
▲ 0.50% · 4.625%
HK$193,992
+HK$11,127/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,730/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,431
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$196,565
−HK$5,208/mo
Today · 4.125%
HK$201,773
baseline
▲ 0.50% · 4.625%
HK$212,409
+HK$10,636/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,546/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,757 · Scale 2, in force from 26 Feb 2026)