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$95,594
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,567
−HK$3,021/mo
Today · 4.125%
HK$101,588
baseline
▲ 0.50% · 4.625%
HK$107,770
+HK$6,182/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,176/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,347
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,199
−HK$2,894/mo
Today · 4.125%
HK$112,093
baseline
▲ 0.50% · 4.625%
HK$118,001
+HK$5,908/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,186/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,712
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$118,281
−HK$3,625/mo
Today · 4.125%
HK$121,906
baseline
▲ 0.50% · 4.625%
HK$129,324
+HK$7,418/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,812/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,616
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,039
−HK$3,472/mo
Today · 4.125%
HK$134,511
baseline
▲ 0.50% · 4.625%
HK$141,601
+HK$7,090/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,022/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,831
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$137,994
−HK$4,230/mo
Today · 4.125%
HK$142,224
baseline
▲ 0.50% · 4.625%
HK$150,877
+HK$8,653/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$284,448/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,886
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,879
−HK$4,051/mo
Today · 4.125%
HK$156,930
baseline
▲ 0.50% · 4.625%
HK$165,202
+HK$8,272/mo
Deposit HK$12.58M · loan HK$29.35M · min. income ≈ HK$313,860/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,069
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$177,421
−HK$5,438/mo
Today · 4.125%
HK$182,859
baseline
▲ 0.50% · 4.625%
HK$193,985
+HK$11,126/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,718/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,425
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$196,558
−HK$5,209/mo
Today · 4.125%
HK$201,767
baseline
▲ 0.50% · 4.625%
HK$212,402
+HK$10,635/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,534/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,700 · Scale 2, in force from 26 Feb 2026)