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$95,434
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,403
−HK$3,016/mo
Today · 4.125%
HK$101,419
baseline
▲ 0.50% · 4.625%
HK$107,590
+HK$6,171/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,838/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,170
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,017
−HK$2,889/mo
Today · 4.125%
HK$111,906
baseline
▲ 0.50% · 4.625%
HK$117,804
+HK$5,898/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,812/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,521
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,083
−HK$3,620/mo
Today · 4.125%
HK$121,703
baseline
▲ 0.50% · 4.625%
HK$129,108
+HK$7,405/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$243,406/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,404
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,821
−HK$3,466/mo
Today · 4.125%
HK$134,287
baseline
▲ 0.50% · 4.625%
HK$141,365
+HK$7,078/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,574/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,608
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,764
−HK$4,222/mo
Today · 4.125%
HK$141,986
baseline
▲ 0.50% · 4.625%
HK$150,626
+HK$8,640/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$283,972/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,638
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,624
−HK$4,044/mo
Today · 4.125%
HK$156,668
baseline
▲ 0.50% · 4.625%
HK$164,926
+HK$8,258/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,336/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,782
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,125
−HK$5,429/mo
Today · 4.125%
HK$182,554
baseline
▲ 0.50% · 4.625%
HK$193,662
+HK$11,108/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,108/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,105
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,231
−HK$5,199/mo
Today · 4.125%
HK$201,430
baseline
▲ 0.50% · 4.625%
HK$212,048
+HK$10,618/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,860/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,729 · Scale 2, in force from 26 Feb 2026)