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$95,970
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,955
−HK$3,033/mo
Today · 4.125%
HK$101,988
baseline
▲ 0.50% · 4.625%
HK$108,194
+HK$6,206/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,976/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,766
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,629
−HK$2,905/mo
Today · 4.125%
HK$112,534
baseline
▲ 0.50% · 4.625%
HK$118,466
+HK$5,932/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$225,068/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,164
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,747
−HK$3,639/mo
Today · 4.125%
HK$122,386
baseline
▲ 0.50% · 4.625%
HK$129,833
+HK$7,447/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$244,772/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,119
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,555
−HK$3,486/mo
Today · 4.125%
HK$135,041
baseline
▲ 0.50% · 4.625%
HK$142,159
+HK$7,118/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$270,082/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,358
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$138,538
−HK$4,246/mo
Today · 4.125%
HK$142,784
baseline
▲ 0.50% · 4.625%
HK$151,472
+HK$8,688/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$285,568/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,472
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,481
−HK$4,067/mo
Today · 4.125%
HK$157,548
baseline
▲ 0.50% · 4.625%
HK$165,852
+HK$8,304/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$315,096/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,746
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$178,120
−HK$5,459/mo
Today · 4.125%
HK$183,579
baseline
▲ 0.50% · 4.625%
HK$194,749
+HK$11,170/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,158/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,179
−HK$10,382/mo
▼ 0.25% · 3.875%
HK$197,333
−HK$5,228/mo
Today · 4.125%
HK$202,561
baseline
▲ 0.50% · 4.625%
HK$213,239
+HK$10,678/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,122/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,718 · Scale 2, in force from 26 Feb 2026)