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$95,825
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,806
−HK$3,028/mo
Today · 4.125%
HK$101,834
baseline
▲ 0.50% · 4.625%
HK$108,030
+HK$6,196/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,668/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,604
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,463
−HK$2,901/mo
Today · 4.125%
HK$112,364
baseline
▲ 0.50% · 4.625%
HK$118,287
+HK$5,923/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,728/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,990
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,567
−HK$3,634/mo
Today · 4.125%
HK$122,201
baseline
▲ 0.50% · 4.625%
HK$129,636
+HK$7,435/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,402/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,925
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,356
−HK$3,480/mo
Today · 4.125%
HK$134,836
baseline
▲ 0.50% · 4.625%
HK$141,944
+HK$7,108/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,672/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,155
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,328
−HK$4,240/mo
Today · 4.125%
HK$142,568
baseline
▲ 0.50% · 4.625%
HK$151,242
+HK$8,674/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,136/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,246
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,249
−HK$4,060/mo
Today · 4.125%
HK$157,309
baseline
▲ 0.50% · 4.625%
HK$165,601
+HK$8,292/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,618/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,485
−HK$10,816/mo
▼ 0.25% · 3.875%
HK$177,850
−HK$5,451/mo
Today · 4.125%
HK$183,301
baseline
▲ 0.50% · 4.625%
HK$194,455
+HK$11,154/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,602/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,888
−HK$10,367/mo
▼ 0.25% · 3.875%
HK$197,034
−HK$5,221/mo
Today · 4.125%
HK$202,255
baseline
▲ 0.50% · 4.625%
HK$212,916
+HK$10,661/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,510/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,009 · Scale 2, in force from 26 Feb 2026)