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$96,421
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,420
−HK$3,047/mo
Today · 4.125%
HK$102,467
baseline
▲ 0.50% · 4.625%
HK$108,702
+HK$6,235/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,934/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,267
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,144
−HK$2,918/mo
Today · 4.125%
HK$113,062
baseline
▲ 0.50% · 4.625%
HK$119,022
+HK$5,960/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,124/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,705
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,304
−HK$3,656/mo
Today · 4.125%
HK$122,960
baseline
▲ 0.50% · 4.625%
HK$130,442
+HK$7,482/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,920/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,720
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,173
−HK$3,502/mo
Today · 4.125%
HK$135,675
baseline
▲ 0.50% · 4.625%
HK$142,826
+HK$7,151/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,350/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,989
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$139,188
−HK$4,266/mo
Today · 4.125%
HK$143,454
baseline
▲ 0.50% · 4.625%
HK$152,183
+HK$8,729/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$286,908/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,174
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$154,201
−HK$4,086/mo
Today · 4.125%
HK$158,287
baseline
▲ 0.50% · 4.625%
HK$166,631
+HK$8,344/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$316,574/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,557
−HK$10,884/mo
▼ 0.25% · 3.875%
HK$178,956
−HK$5,485/mo
Today · 4.125%
HK$184,441
baseline
▲ 0.50% · 4.625%
HK$195,663
+HK$11,222/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,882/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,081
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$198,259
−HK$5,253/mo
Today · 4.125%
HK$203,512
baseline
▲ 0.50% · 4.625%
HK$214,239
+HK$10,727/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,024/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,112 · Scale 2, in force from 26 Feb 2026)