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$96,501
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,503
−HK$3,050/mo
Today · 4.125%
HK$102,553
baseline
▲ 0.50% · 4.625%
HK$108,793
+HK$6,240/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,106/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,357
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,236
−HK$2,921/mo
Today · 4.125%
HK$113,157
baseline
▲ 0.50% · 4.625%
HK$119,122
+HK$5,965/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,314/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,802
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,404
−HK$3,659/mo
Today · 4.125%
HK$123,063
baseline
▲ 0.50% · 4.625%
HK$130,552
+HK$7,489/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,126/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,828
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,283
−HK$3,505/mo
Today · 4.125%
HK$135,788
baseline
▲ 0.50% · 4.625%
HK$142,946
+HK$7,158/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,576/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,102
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$139,304
−HK$4,270/mo
Today · 4.125%
HK$143,574
baseline
▲ 0.50% · 4.625%
HK$152,310
+HK$8,736/mo
Deposit HK$12.70M · loan HK$29.62M · min. income ≈ HK$287,148/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,300
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$154,331
−HK$4,089/mo
Today · 4.125%
HK$158,420
baseline
▲ 0.50% · 4.625%
HK$166,770
+HK$8,350/mo
Deposit HK$12.70M · loan HK$29.62M · min. income ≈ HK$316,840/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,703
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$179,106
−HK$5,489/mo
Today · 4.125%
HK$184,595
baseline
▲ 0.50% · 4.625%
HK$195,827
+HK$11,232/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$369,190/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,242
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$198,425
−HK$5,258/mo
Today · 4.125%
HK$203,683
baseline
▲ 0.50% · 4.625%
HK$214,419
+HK$10,736/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$407,366/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,618 · Scale 2, in force from 26 Feb 2026)