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$96,388
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,386
−HK$3,046/mo
Today · 4.125%
HK$102,432
baseline
▲ 0.50% · 4.625%
HK$108,665
+HK$6,233/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,864/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,230
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,106
−HK$2,918/mo
Today · 4.125%
HK$113,024
baseline
▲ 0.50% · 4.625%
HK$118,981
+HK$5,957/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,048/mo (50% DSR)
Upfront cash ≈ HK$22.93M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,665
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$119,263
−HK$3,655/mo
Today · 4.125%
HK$122,918
baseline
▲ 0.50% · 4.625%
HK$130,398
+HK$7,480/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$245,836/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,676
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,127
−HK$3,501/mo
Today · 4.125%
HK$135,628
baseline
▲ 0.50% · 4.625%
HK$142,777
+HK$7,149/mo
Deposit HK$16.91M · loan HK$25.36M · min. income ≈ HK$271,256/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,943
−HK$8,462/mo
▼ 0.25% · 3.875%
HK$139,140
−HK$4,265/mo
Today · 4.125%
HK$143,405
baseline
▲ 0.50% · 4.625%
HK$152,131
+HK$8,726/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$286,810/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,122
−HK$8,111/mo
▼ 0.25% · 3.875%
HK$154,149
−HK$4,084/mo
Today · 4.125%
HK$158,233
baseline
▲ 0.50% · 4.625%
HK$166,574
+HK$8,341/mo
Deposit HK$12.68M · loan HK$29.59M · min. income ≈ HK$316,466/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,498
−HK$10,880/mo
▼ 0.25% · 3.875%
HK$178,895
−HK$5,483/mo
Today · 4.125%
HK$184,378
baseline
▲ 0.50% · 4.625%
HK$195,597
+HK$11,219/mo
Deposit HK$4.23M · loan HK$38.04M · min. income ≈ HK$368,756/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,014
−HK$10,428/mo
▼ 0.25% · 3.875%
HK$198,191
−HK$5,251/mo
Today · 4.125%
HK$203,442
baseline
▲ 0.50% · 4.625%
HK$214,166
+HK$10,724/mo
Deposit HK$4.23M · loan HK$38.04M · min. income ≈ HK$406,884/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$1,796,498 · Scale 2, in force from 26 Feb 2026)