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$95,985
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,970
−HK$3,034/mo
Today · 4.125%
HK$102,004
baseline
▲ 0.50% · 4.625%
HK$108,210
+HK$6,206/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$204,008/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,782
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,646
−HK$2,905/mo
Today · 4.125%
HK$112,551
baseline
▲ 0.50% · 4.625%
HK$118,484
+HK$5,933/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$225,102/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,182
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,764
−HK$3,640/mo
Today · 4.125%
HK$122,404
baseline
▲ 0.50% · 4.625%
HK$129,853
+HK$7,449/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$244,808/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,138
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,575
−HK$3,486/mo
Today · 4.125%
HK$135,061
baseline
▲ 0.50% · 4.625%
HK$142,181
+HK$7,120/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$270,122/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,379
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$138,558
−HK$4,247/mo
Today · 4.125%
HK$142,805
baseline
▲ 0.50% · 4.625%
HK$151,495
+HK$8,690/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$285,610/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,495
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$153,504
−HK$4,068/mo
Today · 4.125%
HK$157,572
baseline
▲ 0.50% · 4.625%
HK$165,877
+HK$8,305/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$315,144/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,772
−HK$10,835/mo
▼ 0.25% · 3.875%
HK$178,147
−HK$5,460/mo
Today · 4.125%
HK$183,607
baseline
▲ 0.50% · 4.625%
HK$194,779
+HK$11,172/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,214/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,208
−HK$10,384/mo
▼ 0.25% · 3.875%
HK$197,362
−HK$5,230/mo
Today · 4.125%
HK$202,592
baseline
▲ 0.50% · 4.625%
HK$213,271
+HK$10,679/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,184/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,987 · Scale 2, in force from 26 Feb 2026)