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$96,569
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,573
−HK$3,051/mo
Today · 4.125%
HK$102,624
baseline
▲ 0.50% · 4.625%
HK$108,869
+HK$6,245/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$205,248/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,432
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,313
−HK$2,923/mo
Today · 4.125%
HK$113,236
baseline
▲ 0.50% · 4.625%
HK$119,205
+HK$5,969/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$226,472/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,882
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$119,487
−HK$3,662/mo
Today · 4.125%
HK$123,149
baseline
▲ 0.50% · 4.625%
HK$130,643
+HK$7,494/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$246,298/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,918
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,376
−HK$3,507/mo
Today · 4.125%
HK$135,883
baseline
▲ 0.50% · 4.625%
HK$143,046
+HK$7,163/mo
Deposit HK$16.94M · loan HK$25.41M · min. income ≈ HK$271,766/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,196
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$139,402
−HK$4,272/mo
Today · 4.125%
HK$143,674
baseline
▲ 0.50% · 4.625%
HK$152,416
+HK$8,742/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$287,348/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,404
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$154,438
−HK$4,092/mo
Today · 4.125%
HK$158,530
baseline
▲ 0.50% · 4.625%
HK$166,887
+HK$8,357/mo
Deposit HK$12.70M · loan HK$29.64M · min. income ≈ HK$317,060/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,824
−HK$10,900/mo
▼ 0.25% · 3.875%
HK$179,231
−HK$5,493/mo
Today · 4.125%
HK$184,724
baseline
▲ 0.50% · 4.625%
HK$195,964
+HK$11,240/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$369,448/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,377
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$198,563
−HK$5,262/mo
Today · 4.125%
HK$203,825
baseline
▲ 0.50% · 4.625%
HK$214,569
+HK$10,744/mo
Deposit HK$4.23M · loan HK$38.11M · min. income ≈ HK$407,650/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,873 · Scale 2, in force from 26 Feb 2026)