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$95,365
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,332
−HK$3,014/mo
Today · 4.125%
HK$101,346
baseline
▲ 0.50% · 4.625%
HK$107,512
+HK$6,166/mo
Deposit HK$20.91M · loan HK$20.91M · min. income ≈ HK$202,692/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,093
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,938
−HK$2,887/mo
Today · 4.125%
HK$111,825
baseline
▲ 0.50% · 4.625%
HK$117,719
+HK$5,894/mo
Deposit HK$20.91M · loan HK$20.91M · min. income ≈ HK$223,650/mo (50% DSR)
Upfront cash ≈ HK$22.69M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,438
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$117,998
−HK$3,617/mo
Today · 4.125%
HK$121,615
baseline
▲ 0.50% · 4.625%
HK$129,015
+HK$7,400/mo
Deposit HK$16.73M · loan HK$25.09M · min. income ≈ HK$243,230/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,312
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$130,726
−HK$3,464/mo
Today · 4.125%
HK$134,190
baseline
▲ 0.50% · 4.625%
HK$141,263
+HK$7,073/mo
Deposit HK$16.73M · loan HK$25.09M · min. income ≈ HK$268,380/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,512
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$137,664
−HK$4,220/mo
Today · 4.125%
HK$141,884
baseline
▲ 0.50% · 4.625%
HK$150,517
+HK$8,633/mo
Deposit HK$12.55M · loan HK$29.28M · min. income ≈ HK$283,768/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,530
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,514
−HK$4,041/mo
Today · 4.125%
HK$156,555
baseline
▲ 0.50% · 4.625%
HK$164,807
+HK$8,252/mo
Deposit HK$12.55M · loan HK$29.28M · min. income ≈ HK$313,110/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,658
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$176,997
−HK$5,425/mo
Today · 4.125%
HK$182,422
baseline
▲ 0.50% · 4.625%
HK$193,522
+HK$11,100/mo
Deposit HK$4.18M · loan HK$37.64M · min. income ≈ HK$364,844/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,967
−HK$10,318/mo
▼ 0.25% · 3.875%
HK$196,089
−HK$5,196/mo
Today · 4.125%
HK$201,285
baseline
▲ 0.50% · 4.625%
HK$211,895
+HK$10,610/mo
Deposit HK$4.18M · loan HK$37.64M · min. income ≈ HK$402,570/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,777,444 · Scale 2, in force from 26 Feb 2026)