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$96,299
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,294
−HK$3,044/mo
Today · 4.125%
HK$102,338
baseline
▲ 0.50% · 4.625%
HK$108,565
+HK$6,227/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$204,676/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,132
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,005
−HK$2,915/mo
Today · 4.125%
HK$112,920
baseline
▲ 0.50% · 4.625%
HK$118,872
+HK$5,952/mo
Deposit HK$21.12M · loan HK$21.12M · min. income ≈ HK$225,840/mo (50% DSR)
Upfront cash ≈ HK$22.91M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,559
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,153
−HK$3,652/mo
Today · 4.125%
HK$122,805
baseline
▲ 0.50% · 4.625%
HK$130,278
+HK$7,473/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$245,610/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,558
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,006
−HK$3,498/mo
Today · 4.125%
HK$135,504
baseline
▲ 0.50% · 4.625%
HK$142,646
+HK$7,142/mo
Deposit HK$16.89M · loan HK$25.34M · min. income ≈ HK$271,008/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,819
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$139,012
−HK$4,261/mo
Today · 4.125%
HK$143,273
baseline
▲ 0.50% · 4.625%
HK$151,991
+HK$8,718/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$286,546/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,984
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,007
−HK$4,081/mo
Today · 4.125%
HK$158,088
baseline
▲ 0.50% · 4.625%
HK$166,421
+HK$8,333/mo
Deposit HK$12.67M · loan HK$29.56M · min. income ≈ HK$316,176/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,338
−HK$10,870/mo
▼ 0.25% · 3.875%
HK$178,730
−HK$5,478/mo
Today · 4.125%
HK$184,208
baseline
▲ 0.50% · 4.625%
HK$195,417
+HK$11,209/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$368,416/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,837
−HK$10,418/mo
▼ 0.25% · 3.875%
HK$198,009
−HK$5,246/mo
Today · 4.125%
HK$203,255
baseline
▲ 0.50% · 4.625%
HK$213,969
+HK$10,714/mo
Deposit HK$4.22M · loan HK$38.01M · min. income ≈ HK$406,510/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,794,846 · Scale 2, in force from 26 Feb 2026)