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$96,495
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,496
−HK$3,050/mo
Today · 4.125%
HK$102,546
baseline
▲ 0.50% · 4.625%
HK$108,786
+HK$6,240/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,092/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,350
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,229
−HK$2,920/mo
Today · 4.125%
HK$113,149
baseline
▲ 0.50% · 4.625%
HK$119,114
+HK$5,965/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,298/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,794
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,396
−HK$3,659/mo
Today · 4.125%
HK$123,055
baseline
▲ 0.50% · 4.625%
HK$130,543
+HK$7,488/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,110/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,819
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,274
−HK$3,505/mo
Today · 4.125%
HK$135,779
baseline
▲ 0.50% · 4.625%
HK$142,936
+HK$7,157/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,558/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,093
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$139,295
−HK$4,269/mo
Today · 4.125%
HK$143,564
baseline
▲ 0.50% · 4.625%
HK$152,300
+HK$8,736/mo
Deposit HK$12.70M · loan HK$29.62M · min. income ≈ HK$287,128/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,289
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$154,320
−HK$4,089/mo
Today · 4.125%
HK$158,409
baseline
▲ 0.50% · 4.625%
HK$166,759
+HK$8,350/mo
Deposit HK$12.70M · loan HK$29.62M · min. income ≈ HK$316,818/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,691
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$179,093
−HK$5,490/mo
Today · 4.125%
HK$184,583
baseline
▲ 0.50% · 4.625%
HK$195,814
+HK$11,231/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$369,166/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,229
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$198,411
−HK$5,258/mo
Today · 4.125%
HK$203,669
baseline
▲ 0.50% · 4.625%
HK$214,404
+HK$10,735/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$407,338/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,495 · Scale 2, in force from 26 Feb 2026)