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$95,917
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,900
−HK$3,031/mo
Today · 4.125%
HK$101,931
baseline
▲ 0.50% · 4.625%
HK$108,134
+HK$6,203/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,862/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,706
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,568
−HK$2,903/mo
Today · 4.125%
HK$112,471
baseline
▲ 0.50% · 4.625%
HK$118,400
+HK$5,929/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,942/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,100
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,680
−HK$3,638/mo
Today · 4.125%
HK$122,318
baseline
▲ 0.50% · 4.625%
HK$129,761
+HK$7,443/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,636/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,048
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,482
−HK$3,484/mo
Today · 4.125%
HK$134,966
baseline
▲ 0.50% · 4.625%
HK$142,080
+HK$7,114/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,932/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,283
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$138,460
−HK$4,244/mo
Today · 4.125%
HK$142,704
baseline
▲ 0.50% · 4.625%
HK$151,387
+HK$8,683/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,408/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,389
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$153,395
−HK$4,065/mo
Today · 4.125%
HK$157,460
baseline
▲ 0.50% · 4.625%
HK$165,760
+HK$8,300/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,920/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,650
−HK$10,827/mo
▼ 0.25% · 3.875%
HK$178,020
−HK$5,457/mo
Today · 4.125%
HK$183,477
baseline
▲ 0.50% · 4.625%
HK$194,641
+HK$11,164/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$366,954/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,071
−HK$10,377/mo
▼ 0.25% · 3.875%
HK$197,223
−HK$5,225/mo
Today · 4.125%
HK$202,448
baseline
▲ 0.50% · 4.625%
HK$213,120
+HK$10,672/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,896/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,720 · Scale 2, in force from 26 Feb 2026)