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$96,424
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,423
−HK$3,048/mo
Today · 4.125%
HK$102,471
baseline
▲ 0.50% · 4.625%
HK$108,706
+HK$6,235/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,942/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,271
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,148
−HK$2,918/mo
Today · 4.125%
HK$113,066
baseline
▲ 0.50% · 4.625%
HK$119,026
+HK$5,960/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,132/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,709
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,308
−HK$3,657/mo
Today · 4.125%
HK$122,965
baseline
▲ 0.50% · 4.625%
HK$130,447
+HK$7,482/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,930/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,725
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,177
−HK$3,503/mo
Today · 4.125%
HK$135,680
baseline
▲ 0.50% · 4.625%
HK$142,831
+HK$7,151/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,360/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,994
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$139,193
−HK$4,266/mo
Today · 4.125%
HK$143,459
baseline
▲ 0.50% · 4.625%
HK$152,188
+HK$8,729/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$286,918/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,179
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,207
−HK$4,086/mo
Today · 4.125%
HK$158,293
baseline
▲ 0.50% · 4.625%
HK$166,637
+HK$8,344/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$316,586/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,563
−HK$10,884/mo
▼ 0.25% · 3.875%
HK$178,962
−HK$5,485/mo
Today · 4.125%
HK$184,447
baseline
▲ 0.50% · 4.625%
HK$195,670
+HK$11,223/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,894/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,087
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$198,266
−HK$5,253/mo
Today · 4.125%
HK$203,519
baseline
▲ 0.50% · 4.625%
HK$214,247
+HK$10,728/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,038/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,177 · Scale 2, in force from 26 Feb 2026)