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$96,311
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,307
−HK$3,044/mo
Today · 4.125%
HK$102,351
baseline
▲ 0.50% · 4.625%
HK$108,579
+HK$6,228/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,702/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,145
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,019
−HK$2,915/mo
Today · 4.125%
HK$112,934
baseline
▲ 0.50% · 4.625%
HK$118,887
+HK$5,953/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,868/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,574
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,169
−HK$3,652/mo
Today · 4.125%
HK$122,821
baseline
▲ 0.50% · 4.625%
HK$130,294
+HK$7,473/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$245,642/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,574
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,023
−HK$3,498/mo
Today · 4.125%
HK$135,521
baseline
▲ 0.50% · 4.625%
HK$142,664
+HK$7,143/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$271,042/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,836
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$139,030
−HK$4,261/mo
Today · 4.125%
HK$143,291
baseline
▲ 0.50% · 4.625%
HK$152,010
+HK$8,719/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$286,582/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,003
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$154,026
−HK$4,082/mo
Today · 4.125%
HK$158,108
baseline
▲ 0.50% · 4.625%
HK$166,442
+HK$8,334/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$316,216/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,360
−HK$10,872/mo
▼ 0.25% · 3.875%
HK$178,753
−HK$5,479/mo
Today · 4.125%
HK$184,232
baseline
▲ 0.50% · 4.625%
HK$195,442
+HK$11,210/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$368,464/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,862
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$198,034
−HK$5,247/mo
Today · 4.125%
HK$203,281
baseline
▲ 0.50% · 4.625%
HK$213,997
+HK$10,716/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$406,562/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,075 · Scale 2, in force from 26 Feb 2026)