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$95,931
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,915
−HK$3,032/mo
Today · 4.125%
HK$101,947
baseline
▲ 0.50% · 4.625%
HK$108,150
+HK$6,203/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,894/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,722
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,585
−HK$2,903/mo
Today · 4.125%
HK$112,488
baseline
▲ 0.50% · 4.625%
HK$118,418
+HK$5,930/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$224,976/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,117
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,698
−HK$3,638/mo
Today · 4.125%
HK$122,336
baseline
▲ 0.50% · 4.625%
HK$129,780
+HK$7,444/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,672/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,067
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,502
−HK$3,484/mo
Today · 4.125%
HK$134,986
baseline
▲ 0.50% · 4.625%
HK$142,101
+HK$7,115/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,972/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,304
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,481
−HK$4,245/mo
Today · 4.125%
HK$142,726
baseline
▲ 0.50% · 4.625%
HK$151,410
+HK$8,684/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,452/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,411
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,418
−HK$4,066/mo
Today · 4.125%
HK$157,484
baseline
▲ 0.50% · 4.625%
HK$165,785
+HK$8,301/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,968/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,676
−HK$10,828/mo
▼ 0.25% · 3.875%
HK$178,047
−HK$5,457/mo
Today · 4.125%
HK$183,504
baseline
▲ 0.50% · 4.625%
HK$194,670
+HK$11,166/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$367,008/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,100
−HK$10,379/mo
▼ 0.25% · 3.875%
HK$197,252
−HK$5,227/mo
Today · 4.125%
HK$202,479
baseline
▲ 0.50% · 4.625%
HK$213,152
+HK$10,673/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,958/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,787,989 · Scale 2, in force from 26 Feb 2026)