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$95,528
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,500
−HK$3,019/mo
Today · 4.125%
HK$101,519
baseline
▲ 0.50% · 4.625%
HK$107,696
+HK$6,177/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,038/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,274
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,125
−HK$2,891/mo
Today · 4.125%
HK$112,016
baseline
▲ 0.50% · 4.625%
HK$117,920
+HK$5,904/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,032/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,634
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$118,200
−HK$3,623/mo
Today · 4.125%
HK$121,823
baseline
▲ 0.50% · 4.625%
HK$129,235
+HK$7,412/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$243,646/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,529
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,949
−HK$3,470/mo
Today · 4.125%
HK$134,419
baseline
▲ 0.50% · 4.625%
HK$141,505
+HK$7,086/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$268,838/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,740
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,900
−HK$4,226/mo
Today · 4.125%
HK$142,126
baseline
▲ 0.50% · 4.625%
HK$150,774
+HK$8,648/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$284,252/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,784
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$152,774
−HK$4,048/mo
Today · 4.125%
HK$156,822
baseline
▲ 0.50% · 4.625%
HK$165,089
+HK$8,267/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$313,644/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,951
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$177,300
−HK$5,434/mo
Today · 4.125%
HK$182,734
baseline
▲ 0.50% · 4.625%
HK$193,853
+HK$11,119/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$365,468/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,294
−HK$10,335/mo
▼ 0.25% · 3.875%
HK$196,424
−HK$5,205/mo
Today · 4.125%
HK$201,629
baseline
▲ 0.50% · 4.625%
HK$212,257
+HK$10,628/mo
Deposit HK$4.19M · loan HK$37.70M · min. income ≈ HK$403,258/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,482 · Scale 2, in force from 26 Feb 2026)