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$95,946
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,930
−HK$3,032/mo
Today · 4.125%
HK$101,962
baseline
▲ 0.50% · 4.625%
HK$108,167
+HK$6,205/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,924/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,739
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,601
−HK$2,904/mo
Today · 4.125%
HK$112,505
baseline
▲ 0.50% · 4.625%
HK$118,436
+HK$5,931/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$225,010/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,135
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,716
−HK$3,639/mo
Today · 4.125%
HK$122,355
baseline
▲ 0.50% · 4.625%
HK$129,800
+HK$7,445/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$244,710/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,086
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,522
−HK$3,485/mo
Today · 4.125%
HK$135,007
baseline
▲ 0.50% · 4.625%
HK$142,123
+HK$7,116/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$270,014/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,324
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$138,502
−HK$4,245/mo
Today · 4.125%
HK$142,747
baseline
▲ 0.50% · 4.625%
HK$151,433
+HK$8,686/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,494/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,434
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$153,442
−HK$4,066/mo
Today · 4.125%
HK$157,508
baseline
▲ 0.50% · 4.625%
HK$165,810
+HK$8,302/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$315,016/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,702
−HK$10,830/mo
▼ 0.25% · 3.875%
HK$178,074
−HK$5,458/mo
Today · 4.125%
HK$183,532
baseline
▲ 0.50% · 4.625%
HK$194,700
+HK$11,168/mo
Deposit HK$4.21M · loan HK$37.87M · min. income ≈ HK$367,064/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,130
−HK$10,380/mo
▼ 0.25% · 3.875%
HK$197,282
−HK$5,228/mo
Today · 4.125%
HK$202,510
baseline
▲ 0.50% · 4.625%
HK$213,184
+HK$10,674/mo
Deposit HK$4.21M · loan HK$37.87M · min. income ≈ HK$405,020/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,262 · Scale 2, in force from 26 Feb 2026)