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$95,935
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,919
−HK$3,032/mo
Today · 4.125%
HK$101,951
baseline
▲ 0.50% · 4.625%
HK$108,154
+HK$6,203/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,902/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,727
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,589
−HK$2,904/mo
Today · 4.125%
HK$112,493
baseline
▲ 0.50% · 4.625%
HK$118,422
+HK$5,929/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$224,986/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,122
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,703
−HK$3,638/mo
Today · 4.125%
HK$122,341
baseline
▲ 0.50% · 4.625%
HK$129,785
+HK$7,444/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,682/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,072
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,507
−HK$3,484/mo
Today · 4.125%
HK$134,991
baseline
▲ 0.50% · 4.625%
HK$142,107
+HK$7,116/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,982/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,309
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,487
−HK$4,244/mo
Today · 4.125%
HK$142,731
baseline
▲ 0.50% · 4.625%
HK$151,416
+HK$8,685/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,462/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,417
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,425
−HK$4,065/mo
Today · 4.125%
HK$157,490
baseline
▲ 0.50% · 4.625%
HK$165,791
+HK$8,301/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,980/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,683
−HK$10,829/mo
▼ 0.25% · 3.875%
HK$178,054
−HK$5,458/mo
Today · 4.125%
HK$183,512
baseline
▲ 0.50% · 4.625%
HK$194,678
+HK$11,166/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$367,024/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,108
−HK$10,379/mo
▼ 0.25% · 3.875%
HK$197,260
−HK$5,227/mo
Today · 4.125%
HK$202,487
baseline
▲ 0.50% · 4.625%
HK$213,160
+HK$10,673/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,974/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,059 · Scale 2, in force from 26 Feb 2026)