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$95,982
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,968
−HK$3,033/mo
Today · 4.125%
HK$102,001
baseline
▲ 0.50% · 4.625%
HK$108,207
+HK$6,206/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$204,002/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,779
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,643
−HK$2,905/mo
Today · 4.125%
HK$112,548
baseline
▲ 0.50% · 4.625%
HK$118,481
+HK$5,933/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$225,096/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,178
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,761
−HK$3,640/mo
Today · 4.125%
HK$122,401
baseline
▲ 0.50% · 4.625%
HK$129,849
+HK$7,448/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$244,802/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,135
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,571
−HK$3,487/mo
Today · 4.125%
HK$135,058
baseline
▲ 0.50% · 4.625%
HK$142,177
+HK$7,119/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$270,116/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,375
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$138,555
−HK$4,246/mo
Today · 4.125%
HK$142,801
baseline
▲ 0.50% · 4.625%
HK$151,490
+HK$8,689/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$285,602/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,491
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,500
−HK$4,067/mo
Today · 4.125%
HK$157,567
baseline
▲ 0.50% · 4.625%
HK$165,873
+HK$8,306/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$315,134/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,768
−HK$10,834/mo
▼ 0.25% · 3.875%
HK$178,142
−HK$5,460/mo
Today · 4.125%
HK$183,602
baseline
▲ 0.50% · 4.625%
HK$194,773
+HK$11,171/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,204/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,202
−HK$10,384/mo
▼ 0.25% · 3.875%
HK$197,357
−HK$5,229/mo
Today · 4.125%
HK$202,586
baseline
▲ 0.50% · 4.625%
HK$213,265
+HK$10,679/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,172/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,937 · Scale 2, in force from 26 Feb 2026)