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$95,576
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,549
−HK$3,021/mo
Today · 4.125%
HK$101,570
baseline
▲ 0.50% · 4.625%
HK$107,750
+HK$6,180/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,140/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,327
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,179
−HK$2,893/mo
Today · 4.125%
HK$112,072
baseline
▲ 0.50% · 4.625%
HK$117,980
+HK$5,908/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,144/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,691
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,259
−HK$3,625/mo
Today · 4.125%
HK$121,884
baseline
▲ 0.50% · 4.625%
HK$129,300
+HK$7,416/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,768/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,593
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,015
−HK$3,471/mo
Today · 4.125%
HK$134,486
baseline
▲ 0.50% · 4.625%
HK$141,575
+HK$7,089/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$268,972/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,807
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,969
−HK$4,228/mo
Today · 4.125%
HK$142,197
baseline
▲ 0.50% · 4.625%
HK$150,850
+HK$8,653/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$284,394/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,858
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$152,851
−HK$4,050/mo
Today · 4.125%
HK$156,901
baseline
▲ 0.50% · 4.625%
HK$165,171
+HK$8,270/mo
Deposit HK$12.57M · loan HK$29.34M · min. income ≈ HK$313,802/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,037
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$177,388
−HK$5,437/mo
Today · 4.125%
HK$182,825
baseline
▲ 0.50% · 4.625%
HK$193,950
+HK$11,125/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$365,650/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,389
−HK$10,341/mo
▼ 0.25% · 3.875%
HK$196,522
−HK$5,208/mo
Today · 4.125%
HK$201,730
baseline
▲ 0.50% · 4.625%
HK$212,363
+HK$10,633/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$403,460/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,373 · Scale 2, in force from 26 Feb 2026)