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$96,551
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,555
−HK$3,051/mo
Today · 4.125%
HK$102,606
baseline
▲ 0.50% · 4.625%
HK$108,849
+HK$6,243/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$205,212/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,413
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,293
−HK$2,923/mo
Today · 4.125%
HK$113,216
baseline
▲ 0.50% · 4.625%
HK$119,183
+HK$5,967/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$226,432/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,862
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,466
−HK$3,661/mo
Today · 4.125%
HK$123,127
baseline
▲ 0.50% · 4.625%
HK$130,619
+HK$7,492/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$246,254/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,895
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,352
−HK$3,507/mo
Today · 4.125%
HK$135,859
baseline
▲ 0.50% · 4.625%
HK$143,020
+HK$7,161/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$271,718/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,172
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$139,377
−HK$4,272/mo
Today · 4.125%
HK$143,649
baseline
▲ 0.50% · 4.625%
HK$152,389
+HK$8,740/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$287,298/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,378
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$154,411
−HK$4,091/mo
Today · 4.125%
HK$158,502
baseline
▲ 0.50% · 4.625%
HK$166,857
+HK$8,355/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$317,004/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,793
−HK$10,898/mo
▼ 0.25% · 3.875%
HK$179,199
−HK$5,492/mo
Today · 4.125%
HK$184,691
baseline
▲ 0.50% · 4.625%
HK$195,929
+HK$11,238/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$369,382/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,343
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$198,528
−HK$5,260/mo
Today · 4.125%
HK$203,788
baseline
▲ 0.50% · 4.625%
HK$214,530
+HK$10,742/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$407,576/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,551 · Scale 2, in force from 26 Feb 2026)