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$96,071
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,060
−HK$3,036/mo
Today · 4.125%
HK$102,096
baseline
▲ 0.50% · 4.625%
HK$108,308
+HK$6,212/mo
Deposit HK$21.07M · loan HK$21.07M · min. income ≈ HK$204,192/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,879
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,745
−HK$2,908/mo
Today · 4.125%
HK$112,653
baseline
▲ 0.50% · 4.625%
HK$118,591
+HK$5,938/mo
Deposit HK$21.07M · loan HK$21.07M · min. income ≈ HK$225,306/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,286
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,872
−HK$3,643/mo
Today · 4.125%
HK$122,515
baseline
▲ 0.50% · 4.625%
HK$129,970
+HK$7,455/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$245,030/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,254
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,694
−HK$3,489/mo
Today · 4.125%
HK$135,183
baseline
▲ 0.50% · 4.625%
HK$142,309
+HK$7,126/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$270,366/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,500
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$138,684
−HK$4,250/mo
Today · 4.125%
HK$142,934
baseline
▲ 0.50% · 4.625%
HK$151,632
+HK$8,698/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$285,868/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,630
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$153,643
−HK$4,071/mo
Today · 4.125%
HK$157,714
baseline
▲ 0.50% · 4.625%
HK$166,027
+HK$8,313/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$315,428/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,929
−HK$10,844/mo
▼ 0.25% · 3.875%
HK$178,308
−HK$5,465/mo
Today · 4.125%
HK$183,773
baseline
▲ 0.50% · 4.625%
HK$194,955
+HK$11,182/mo
Deposit HK$4.21M · loan HK$37.92M · min. income ≈ HK$367,546/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,381
−HK$10,394/mo
▼ 0.25% · 3.875%
HK$197,541
−HK$5,234/mo
Today · 4.125%
HK$202,775
baseline
▲ 0.50% · 4.625%
HK$213,464
+HK$10,689/mo
Deposit HK$4.21M · loan HK$37.92M · min. income ≈ HK$405,550/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,605 · Scale 2, in force from 26 Feb 2026)