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$95,689
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$98,665
−HK$3,024/mo
Today · 4.125%
HK$101,689
baseline
▲ 0.50% · 4.625%
HK$107,877
+HK$6,188/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$203,378/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,453
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,308
−HK$2,896/mo
Today · 4.125%
HK$112,204
baseline
▲ 0.50% · 4.625%
HK$118,119
+HK$5,915/mo
Deposit HK$20.98M · loan HK$20.98M · min. income ≈ HK$224,408/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,827
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,398
−HK$3,629/mo
Today · 4.125%
HK$122,027
baseline
▲ 0.50% · 4.625%
HK$129,452
+HK$7,425/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$244,054/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,743
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,169
−HK$3,476/mo
Today · 4.125%
HK$134,645
baseline
▲ 0.50% · 4.625%
HK$141,742
+HK$7,097/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$269,290/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,964
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,131
−HK$4,234/mo
Today · 4.125%
HK$142,365
baseline
▲ 0.50% · 4.625%
HK$151,028
+HK$8,663/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$284,730/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,034
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,031
−HK$4,055/mo
Today · 4.125%
HK$157,086
baseline
▲ 0.50% · 4.625%
HK$165,366
+HK$8,280/mo
Deposit HK$12.59M · loan HK$29.37M · min. income ≈ HK$314,172/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,240
−HK$10,801/mo
▼ 0.25% · 3.875%
HK$177,597
−HK$5,444/mo
Today · 4.125%
HK$183,041
baseline
▲ 0.50% · 4.625%
HK$194,178
+HK$11,137/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$366,082/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,615
−HK$10,352/mo
▼ 0.25% · 3.875%
HK$196,754
−HK$5,213/mo
Today · 4.125%
HK$201,967
baseline
▲ 0.50% · 4.625%
HK$212,613
+HK$10,646/mo
Deposit HK$4.20M · loan HK$37.77M · min. income ≈ HK$403,934/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,472 · Scale 2, in force from 26 Feb 2026)