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$96,440
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,440
−HK$3,047/mo
Today · 4.125%
HK$102,487
baseline
▲ 0.50% · 4.625%
HK$108,723
+HK$6,236/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$204,974/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,288
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,166
−HK$2,919/mo
Today · 4.125%
HK$113,085
baseline
▲ 0.50% · 4.625%
HK$119,046
+HK$5,961/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,170/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,728
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,327
−HK$3,658/mo
Today · 4.125%
HK$122,985
baseline
▲ 0.50% · 4.625%
HK$130,468
+HK$7,483/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$245,970/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,746
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,199
−HK$3,503/mo
Today · 4.125%
HK$135,702
baseline
▲ 0.50% · 4.625%
HK$142,855
+HK$7,153/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,404/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,016
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$139,215
−HK$4,267/mo
Today · 4.125%
HK$143,482
baseline
▲ 0.50% · 4.625%
HK$152,213
+HK$8,731/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$286,964/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,203
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$154,232
−HK$4,087/mo
Today · 4.125%
HK$158,319
baseline
▲ 0.50% · 4.625%
HK$166,664
+HK$8,345/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$316,638/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,591
−HK$10,886/mo
▼ 0.25% · 3.875%
HK$178,991
−HK$5,486/mo
Today · 4.125%
HK$184,477
baseline
▲ 0.50% · 4.625%
HK$195,702
+HK$11,225/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,954/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,119
−HK$10,433/mo
▼ 0.25% · 3.875%
HK$198,298
−HK$5,254/mo
Today · 4.125%
HK$203,552
baseline
▲ 0.50% · 4.625%
HK$214,282
+HK$10,730/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,104/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,468 · Scale 2, in force from 26 Feb 2026)