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$96,153
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,144
−HK$3,039/mo
Today · 4.125%
HK$102,183
baseline
▲ 0.50% · 4.625%
HK$108,400
+HK$6,217/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,366/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,969
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,838
−HK$2,911/mo
Today · 4.125%
HK$112,749
baseline
▲ 0.50% · 4.625%
HK$118,692
+HK$5,943/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,498/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,384
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,973
−HK$3,646/mo
Today · 4.125%
HK$122,619
baseline
▲ 0.50% · 4.625%
HK$130,081
+HK$7,462/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$245,238/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,363
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,806
−HK$3,492/mo
Today · 4.125%
HK$135,298
baseline
▲ 0.50% · 4.625%
HK$142,430
+HK$7,132/mo
Deposit HK$16.87M · loan HK$25.30M · min. income ≈ HK$270,596/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,614
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,802
−HK$4,254/mo
Today · 4.125%
HK$143,056
baseline
▲ 0.50% · 4.625%
HK$151,761
+HK$8,705/mo
Deposit HK$12.65M · loan HK$29.52M · min. income ≈ HK$286,112/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,757
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$153,774
−HK$4,074/mo
Today · 4.125%
HK$157,848
baseline
▲ 0.50% · 4.625%
HK$166,169
+HK$8,321/mo
Deposit HK$12.65M · loan HK$29.52M · min. income ≈ HK$315,696/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,076
−HK$10,853/mo
▼ 0.25% · 3.875%
HK$178,459
−HK$5,470/mo
Today · 4.125%
HK$183,929
baseline
▲ 0.50% · 4.625%
HK$195,121
+HK$11,192/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$367,858/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,545
−HK$10,403/mo
▼ 0.25% · 3.875%
HK$197,709
−HK$5,239/mo
Today · 4.125%
HK$202,948
baseline
▲ 0.50% · 4.625%
HK$213,645
+HK$10,697/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$405,896/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,128 · Scale 2, in force from 26 Feb 2026)