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$95,919
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,903
−HK$3,031/mo
Today · 4.125%
HK$101,934
baseline
▲ 0.50% · 4.625%
HK$108,137
+HK$6,203/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,868/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,709
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,571
−HK$2,903/mo
Today · 4.125%
HK$112,474
baseline
▲ 0.50% · 4.625%
HK$118,403
+HK$5,929/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,948/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,103
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,683
−HK$3,638/mo
Today · 4.125%
HK$122,321
baseline
▲ 0.50% · 4.625%
HK$129,764
+HK$7,443/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,642/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,051
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,485
−HK$3,484/mo
Today · 4.125%
HK$134,969
baseline
▲ 0.50% · 4.625%
HK$142,083
+HK$7,114/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,938/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,287
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$138,464
−HK$4,244/mo
Today · 4.125%
HK$142,708
baseline
▲ 0.50% · 4.625%
HK$151,391
+HK$8,683/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,416/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,393
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$153,399
−HK$4,065/mo
Today · 4.125%
HK$157,464
baseline
▲ 0.50% · 4.625%
HK$165,764
+HK$8,300/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,928/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,654
−HK$10,827/mo
▼ 0.25% · 3.875%
HK$178,025
−HK$5,456/mo
Today · 4.125%
HK$183,481
baseline
▲ 0.50% · 4.625%
HK$194,646
+HK$11,165/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$366,962/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,076
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$197,228
−HK$5,226/mo
Today · 4.125%
HK$202,454
baseline
▲ 0.50% · 4.625%
HK$213,125
+HK$10,671/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,908/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,766 · Scale 2, in force from 26 Feb 2026)