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$95,841
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$98,822
−HK$3,029/mo
Today · 4.125%
HK$101,851
baseline
▲ 0.50% · 4.625%
HK$108,049
+HK$6,198/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,702/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,622
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,482
−HK$2,901/mo
Today · 4.125%
HK$112,383
baseline
▲ 0.50% · 4.625%
HK$118,307
+HK$5,924/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,766/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,009
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,587
−HK$3,634/mo
Today · 4.125%
HK$122,221
baseline
▲ 0.50% · 4.625%
HK$129,658
+HK$7,437/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$244,442/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,947
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,378
−HK$3,481/mo
Today · 4.125%
HK$134,859
baseline
▲ 0.50% · 4.625%
HK$141,968
+HK$7,109/mo
Deposit HK$16.81M · loan HK$25.22M · min. income ≈ HK$269,718/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,178
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$138,351
−HK$4,241/mo
Today · 4.125%
HK$142,592
baseline
▲ 0.50% · 4.625%
HK$151,268
+HK$8,676/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,184/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,271
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,275
−HK$4,061/mo
Today · 4.125%
HK$157,336
baseline
▲ 0.50% · 4.625%
HK$165,629
+HK$8,293/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,672/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,514
−HK$10,818/mo
▼ 0.25% · 3.875%
HK$177,880
−HK$5,452/mo
Today · 4.125%
HK$183,332
baseline
▲ 0.50% · 4.625%
HK$194,487
+HK$11,155/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$366,664/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,920
−HK$10,369/mo
▼ 0.25% · 3.875%
HK$197,067
−HK$5,222/mo
Today · 4.125%
HK$202,289
baseline
▲ 0.50% · 4.625%
HK$212,952
+HK$10,663/mo
Deposit HK$4.20M · loan HK$37.83M · min. income ≈ HK$404,578/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,312 · Scale 2, in force from 26 Feb 2026)