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$95,890
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,873
−HK$3,030/mo
Today · 4.125%
HK$101,903
baseline
▲ 0.50% · 4.625%
HK$108,104
+HK$6,201/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,806/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,677
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,538
−HK$2,902/mo
Today · 4.125%
HK$112,440
baseline
▲ 0.50% · 4.625%
HK$118,367
+HK$5,927/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,880/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,068
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,648
−HK$3,636/mo
Today · 4.125%
HK$122,284
baseline
▲ 0.50% · 4.625%
HK$129,725
+HK$7,441/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$244,568/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,012
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,446
−HK$3,482/mo
Today · 4.125%
HK$134,928
baseline
▲ 0.50% · 4.625%
HK$142,041
+HK$7,113/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$269,856/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,246
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$138,422
−HK$4,243/mo
Today · 4.125%
HK$142,665
baseline
▲ 0.50% · 4.625%
HK$151,346
+HK$8,681/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,330/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,348
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,353
−HK$4,064/mo
Today · 4.125%
HK$157,417
baseline
▲ 0.50% · 4.625%
HK$165,714
+HK$8,297/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,834/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,602
−HK$10,824/mo
▼ 0.25% · 3.875%
HK$177,971
−HK$5,455/mo
Today · 4.125%
HK$183,426
baseline
▲ 0.50% · 4.625%
HK$194,587
+HK$11,161/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$366,852/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,018
−HK$10,375/mo
▼ 0.25% · 3.875%
HK$197,168
−HK$5,225/mo
Today · 4.125%
HK$202,393
baseline
▲ 0.50% · 4.625%
HK$213,061
+HK$10,668/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$404,786/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,227 · Scale 2, in force from 26 Feb 2026)