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$96,337
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,334
−HK$3,044/mo
Today · 4.125%
HK$102,378
baseline
▲ 0.50% · 4.625%
HK$108,608
+HK$6,230/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,756/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,174
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,048
−HK$2,916/mo
Today · 4.125%
HK$112,964
baseline
▲ 0.50% · 4.625%
HK$118,919
+HK$5,955/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,928/mo (50% DSR)
Upfront cash ≈ HK$22.92M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,604
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,200
−HK$3,654/mo
Today · 4.125%
HK$122,854
baseline
▲ 0.50% · 4.625%
HK$130,329
+HK$7,475/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$245,708/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,609
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,058
−HK$3,499/mo
Today · 4.125%
HK$135,557
baseline
▲ 0.50% · 4.625%
HK$142,702
+HK$7,145/mo
Deposit HK$16.90M · loan HK$25.35M · min. income ≈ HK$271,114/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,872
−HK$8,457/mo
▼ 0.25% · 3.875%
HK$139,067
−HK$4,262/mo
Today · 4.125%
HK$143,329
baseline
▲ 0.50% · 4.625%
HK$152,051
+HK$8,722/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$286,658/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,043
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,068
−HK$4,082/mo
Today · 4.125%
HK$158,150
baseline
▲ 0.50% · 4.625%
HK$166,486
+HK$8,336/mo
Deposit HK$12.67M · loan HK$29.57M · min. income ≈ HK$316,300/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,407
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$178,800
−HK$5,481/mo
Today · 4.125%
HK$184,281
baseline
▲ 0.50% · 4.625%
HK$195,494
+HK$11,213/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$368,562/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,913
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$198,087
−HK$5,249/mo
Today · 4.125%
HK$203,336
baseline
▲ 0.50% · 4.625%
HK$214,054
+HK$10,718/mo
Deposit HK$4.22M · loan HK$38.02M · min. income ≈ HK$406,672/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,795,553 · Scale 2, in force from 26 Feb 2026)