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$95,964
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,949
−HK$3,032/mo
Today · 4.125%
HK$101,981
baseline
▲ 0.50% · 4.625%
HK$108,187
+HK$6,206/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,962/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,759
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,622
−HK$2,904/mo
Today · 4.125%
HK$112,526
baseline
▲ 0.50% · 4.625%
HK$118,458
+HK$5,932/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$225,052/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,156
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,738
−HK$3,640/mo
Today · 4.125%
HK$122,378
baseline
▲ 0.50% · 4.625%
HK$129,824
+HK$7,446/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$244,756/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,110
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,546
−HK$3,486/mo
Today · 4.125%
HK$135,032
baseline
▲ 0.50% · 4.625%
HK$142,149
+HK$7,117/mo
Deposit HK$16.83M · loan HK$25.25M · min. income ≈ HK$270,064/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,349
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,528
−HK$4,246/mo
Today · 4.125%
HK$142,774
baseline
▲ 0.50% · 4.625%
HK$151,461
+HK$8,687/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$285,548/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,462
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,471
−HK$4,066/mo
Today · 4.125%
HK$157,537
baseline
▲ 0.50% · 4.625%
HK$165,841
+HK$8,304/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$315,074/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,735
−HK$10,832/mo
▼ 0.25% · 3.875%
HK$178,108
−HK$5,459/mo
Today · 4.125%
HK$183,567
baseline
▲ 0.50% · 4.625%
HK$194,736
+HK$11,169/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,134/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,165
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$197,319
−HK$5,229/mo
Today · 4.125%
HK$202,548
baseline
▲ 0.50% · 4.625%
HK$213,224
+HK$10,676/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,096/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,595 · Scale 2, in force from 26 Feb 2026)