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$95,823
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,804
−HK$3,028/mo
Today · 4.125%
HK$101,832
baseline
▲ 0.50% · 4.625%
HK$108,028
+HK$6,196/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,664/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,602
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$109,461
−HK$2,900/mo
Today · 4.125%
HK$112,361
baseline
▲ 0.50% · 4.625%
HK$118,284
+HK$5,923/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,722/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,987
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,564
−HK$3,634/mo
Today · 4.125%
HK$122,198
baseline
▲ 0.50% · 4.625%
HK$129,634
+HK$7,436/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,396/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,922
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,353
−HK$3,481/mo
Today · 4.125%
HK$134,834
baseline
▲ 0.50% · 4.625%
HK$141,941
+HK$7,107/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,668/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,152
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,325
−HK$4,240/mo
Today · 4.125%
HK$142,565
baseline
▲ 0.50% · 4.625%
HK$151,239
+HK$8,674/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,130/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,243
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,245
−HK$4,061/mo
Today · 4.125%
HK$157,306
baseline
▲ 0.50% · 4.625%
HK$165,598
+HK$8,292/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,612/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,481
−HK$10,816/mo
▼ 0.25% · 3.875%
HK$177,846
−HK$5,451/mo
Today · 4.125%
HK$183,297
baseline
▲ 0.50% · 4.625%
HK$194,450
+HK$11,153/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,594/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,884
−HK$10,366/mo
▼ 0.25% · 3.875%
HK$197,030
−HK$5,220/mo
Today · 4.125%
HK$202,250
baseline
▲ 0.50% · 4.625%
HK$212,911
+HK$10,661/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,500/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,971 · Scale 2, in force from 26 Feb 2026)