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$95,941
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,925
−HK$3,032/mo
Today · 4.125%
HK$101,957
baseline
▲ 0.50% · 4.625%
HK$108,161
+HK$6,204/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,914/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,733
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,596
−HK$2,904/mo
Today · 4.125%
HK$112,500
baseline
▲ 0.50% · 4.625%
HK$118,430
+HK$5,930/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$225,000/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,129
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,710
−HK$3,639/mo
Today · 4.125%
HK$122,349
baseline
▲ 0.50% · 4.625%
HK$129,793
+HK$7,444/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,698/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,080
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,515
−HK$3,485/mo
Today · 4.125%
HK$135,000
baseline
▲ 0.50% · 4.625%
HK$142,116
+HK$7,116/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$270,000/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,317
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$138,495
−HK$4,245/mo
Today · 4.125%
HK$142,740
baseline
▲ 0.50% · 4.625%
HK$151,426
+HK$8,686/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,480/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,427
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,434
−HK$4,066/mo
Today · 4.125%
HK$157,500
baseline
▲ 0.50% · 4.625%
HK$165,802
+HK$8,302/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$315,000/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,694
−HK$10,829/mo
▼ 0.25% · 3.875%
HK$178,066
−HK$5,457/mo
Today · 4.125%
HK$183,523
baseline
▲ 0.50% · 4.625%
HK$194,690
+HK$11,167/mo
Deposit HK$4.21M · loan HK$37.87M · min. income ≈ HK$367,046/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,120
−HK$10,380/mo
▼ 0.25% · 3.875%
HK$197,273
−HK$5,227/mo
Today · 4.125%
HK$202,500
baseline
▲ 0.50% · 4.625%
HK$213,174
+HK$10,674/mo
Deposit HK$4.21M · loan HK$37.87M · min. income ≈ HK$405,000/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,173 · Scale 2, in force from 26 Feb 2026)