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$95,822
−HK$6,009/mo
▼ 0.25% · 3.875%
HK$98,803
−HK$3,028/mo
Today · 4.125%
HK$101,831
baseline
▲ 0.50% · 4.625%
HK$108,028
+HK$6,197/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$203,662/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,601
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$109,460
−HK$2,901/mo
Today · 4.125%
HK$112,361
baseline
▲ 0.50% · 4.625%
HK$118,284
+HK$5,923/mo
Deposit HK$21.01M · loan HK$21.01M · min. income ≈ HK$224,722/mo (50% DSR)
Upfront cash ≈ HK$22.80M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,987
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,564
−HK$3,634/mo
Today · 4.125%
HK$122,198
baseline
▲ 0.50% · 4.625%
HK$129,633
+HK$7,435/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$244,396/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,922
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,353
−HK$3,480/mo
Today · 4.125%
HK$134,833
baseline
▲ 0.50% · 4.625%
HK$141,940
+HK$7,107/mo
Deposit HK$16.81M · loan HK$25.21M · min. income ≈ HK$269,666/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,151
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,324
−HK$4,240/mo
Today · 4.125%
HK$142,564
baseline
▲ 0.50% · 4.625%
HK$151,239
+HK$8,675/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$285,128/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,242
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,245
−HK$4,060/mo
Today · 4.125%
HK$157,305
baseline
▲ 0.50% · 4.625%
HK$165,597
+HK$8,292/mo
Deposit HK$12.61M · loan HK$29.42M · min. income ≈ HK$314,610/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,480
−HK$10,816/mo
▼ 0.25% · 3.875%
HK$177,845
−HK$5,451/mo
Today · 4.125%
HK$183,296
baseline
▲ 0.50% · 4.625%
HK$194,450
+HK$11,154/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$366,592/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,883
−HK$10,367/mo
▼ 0.25% · 3.875%
HK$197,029
−HK$5,221/mo
Today · 4.125%
HK$202,250
baseline
▲ 0.50% · 4.625%
HK$212,910
+HK$10,660/mo
Deposit HK$4.20M · loan HK$37.82M · min. income ≈ HK$404,500/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,785,963 · Scale 2, in force from 26 Feb 2026)