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$96,129
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,119
−HK$3,038/mo
Today · 4.125%
HK$102,157
baseline
▲ 0.50% · 4.625%
HK$108,373
+HK$6,216/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,314/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,942
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,810
−HK$2,910/mo
Today · 4.125%
HK$112,720
baseline
▲ 0.50% · 4.625%
HK$118,662
+HK$5,942/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,440/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,354
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,943
−HK$3,645/mo
Today · 4.125%
HK$122,588
baseline
▲ 0.50% · 4.625%
HK$130,047
+HK$7,459/mo
Deposit HK$16.86M · loan HK$25.29M · min. income ≈ HK$245,176/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,331
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,772
−HK$3,492/mo
Today · 4.125%
HK$135,264
baseline
▲ 0.50% · 4.625%
HK$142,394
+HK$7,130/mo
Deposit HK$16.86M · loan HK$25.29M · min. income ≈ HK$270,528/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,580
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,766
−HK$4,254/mo
Today · 4.125%
HK$143,020
baseline
▲ 0.50% · 4.625%
HK$151,722
+HK$8,702/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$286,040/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,719
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,735
−HK$4,073/mo
Today · 4.125%
HK$157,808
baseline
▲ 0.50% · 4.625%
HK$166,126
+HK$8,318/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$315,616/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,032
−HK$10,850/mo
▼ 0.25% · 3.875%
HK$178,414
−HK$5,468/mo
Today · 4.125%
HK$183,882
baseline
▲ 0.50% · 4.625%
HK$195,071
+HK$11,189/mo
Deposit HK$4.22M · loan HK$37.94M · min. income ≈ HK$367,764/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,496
−HK$10,400/mo
▼ 0.25% · 3.875%
HK$197,659
−HK$5,237/mo
Today · 4.125%
HK$202,896
baseline
▲ 0.50% · 4.625%
HK$213,591
+HK$10,695/mo
Deposit HK$4.22M · loan HK$37.94M · min. income ≈ HK$405,792/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,672 · Scale 2, in force from 26 Feb 2026)