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$95,799
−HK$6,008/mo
▼ 0.25% · 3.875%
HK$98,779
−HK$3,028/mo
Today · 4.125%
HK$101,807
baseline
▲ 0.50% · 4.625%
HK$108,002
+HK$6,195/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,614/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,576
−HK$5,758/mo
▼ 0.25% · 3.875%
HK$109,434
−HK$2,900/mo
Today · 4.125%
HK$112,334
baseline
▲ 0.50% · 4.625%
HK$118,255
+HK$5,921/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,668/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,959
−HK$7,209/mo
▼ 0.25% · 3.875%
HK$118,535
−HK$3,633/mo
Today · 4.125%
HK$122,168
baseline
▲ 0.50% · 4.625%
HK$129,602
+HK$7,434/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,336/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,891
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$131,321
−HK$3,480/mo
Today · 4.125%
HK$134,801
baseline
▲ 0.50% · 4.625%
HK$141,906
+HK$7,105/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,602/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,119
−HK$8,411/mo
▼ 0.25% · 3.875%
HK$138,291
−HK$4,239/mo
Today · 4.125%
HK$142,530
baseline
▲ 0.50% · 4.625%
HK$151,202
+HK$8,672/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$285,060/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,206
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,208
−HK$4,059/mo
Today · 4.125%
HK$157,267
baseline
▲ 0.50% · 4.625%
HK$165,557
+HK$8,290/mo
Deposit HK$12.60M · loan HK$29.41M · min. income ≈ HK$314,534/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,439
−HK$10,813/mo
▼ 0.25% · 3.875%
HK$177,803
−HK$5,449/mo
Today · 4.125%
HK$183,252
baseline
▲ 0.50% · 4.625%
HK$194,403
+HK$11,151/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$366,504/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,836
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$196,981
−HK$5,220/mo
Today · 4.125%
HK$202,201
baseline
▲ 0.50% · 4.625%
HK$212,859
+HK$10,658/mo
Deposit HK$4.20M · loan HK$37.81M · min. income ≈ HK$404,402/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,533 · Scale 2, in force from 26 Feb 2026)