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$95,861
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,843
−HK$3,029/mo
Today · 4.125%
HK$101,872
baseline
▲ 0.50% · 4.625%
HK$108,071
+HK$6,199/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$203,744/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,644
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,504
−HK$2,902/mo
Today · 4.125%
HK$112,406
baseline
▲ 0.50% · 4.625%
HK$118,331
+HK$5,925/mo
Deposit HK$21.02M · loan HK$21.02M · min. income ≈ HK$224,812/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,033
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,611
−HK$3,636/mo
Today · 4.125%
HK$122,247
baseline
▲ 0.50% · 4.625%
HK$129,685
+HK$7,438/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$244,494/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,973
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,405
−HK$3,482/mo
Today · 4.125%
HK$134,887
baseline
▲ 0.50% · 4.625%
HK$141,997
+HK$7,110/mo
Deposit HK$16.82M · loan HK$25.22M · min. income ≈ HK$269,774/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,205
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$138,380
−HK$4,241/mo
Today · 4.125%
HK$142,621
baseline
▲ 0.50% · 4.625%
HK$151,299
+HK$8,678/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$285,242/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,302
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,306
−HK$4,062/mo
Today · 4.125%
HK$157,368
baseline
▲ 0.50% · 4.625%
HK$165,663
+HK$8,295/mo
Deposit HK$12.61M · loan HK$29.43M · min. income ≈ HK$314,736/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,549
−HK$10,821/mo
▼ 0.25% · 3.875%
HK$177,917
−HK$5,453/mo
Today · 4.125%
HK$183,370
baseline
▲ 0.50% · 4.625%
HK$194,527
+HK$11,157/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$366,740/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,959
−HK$10,371/mo
▼ 0.25% · 3.875%
HK$197,108
−HK$5,222/mo
Today · 4.125%
HK$202,330
baseline
▲ 0.50% · 4.625%
HK$212,996
+HK$10,666/mo
Deposit HK$4.20M · loan HK$37.84M · min. income ≈ HK$404,660/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,786,678 · Scale 2, in force from 26 Feb 2026)