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$95,416
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$98,383
−HK$3,016/mo
Today · 4.125%
HK$101,399
baseline
▲ 0.50% · 4.625%
HK$107,569
+HK$6,170/mo
Deposit HK$20.92M · loan HK$20.92M · min. income ≈ HK$202,798/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,149
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$108,996
−HK$2,888/mo
Today · 4.125%
HK$111,884
baseline
▲ 0.50% · 4.625%
HK$117,781
+HK$5,897/mo
Deposit HK$20.92M · loan HK$20.92M · min. income ≈ HK$223,768/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,499
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,060
−HK$3,619/mo
Today · 4.125%
HK$121,679
baseline
▲ 0.50% · 4.625%
HK$129,083
+HK$7,404/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$243,358/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,379
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,795
−HK$3,465/mo
Today · 4.125%
HK$134,260
baseline
▲ 0.50% · 4.625%
HK$141,338
+HK$7,078/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,520/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,582
−HK$8,376/mo
▼ 0.25% · 3.875%
HK$137,737
−HK$4,221/mo
Today · 4.125%
HK$141,958
baseline
▲ 0.50% · 4.625%
HK$150,596
+HK$8,638/mo
Deposit HK$12.55M · loan HK$29.29M · min. income ≈ HK$283,916/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,608
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$152,594
−HK$4,043/mo
Today · 4.125%
HK$156,637
baseline
▲ 0.50% · 4.625%
HK$164,894
+HK$8,257/mo
Deposit HK$12.55M · loan HK$29.29M · min. income ≈ HK$313,274/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,748
−HK$10,770/mo
▼ 0.25% · 3.875%
HK$177,090
−HK$5,428/mo
Today · 4.125%
HK$182,518
baseline
▲ 0.50% · 4.625%
HK$193,624
+HK$11,106/mo
Deposit HK$4.18M · loan HK$37.66M · min. income ≈ HK$365,036/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,068
−HK$10,323/mo
▼ 0.25% · 3.875%
HK$196,192
−HK$5,199/mo
Today · 4.125%
HK$201,391
baseline
▲ 0.50% · 4.625%
HK$212,006
+HK$10,615/mo
Deposit HK$4.18M · loan HK$37.66M · min. income ≈ HK$402,782/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,379 · Scale 2, in force from 26 Feb 2026)