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$95,888
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,871
−HK$3,030/mo
Today · 4.125%
HK$101,901
baseline
▲ 0.50% · 4.625%
HK$108,102
+HK$6,201/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,802/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,674
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,535
−HK$2,903/mo
Today · 4.125%
HK$112,438
baseline
▲ 0.50% · 4.625%
HK$118,365
+HK$5,927/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,876/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,066
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,645
−HK$3,636/mo
Today · 4.125%
HK$122,281
baseline
▲ 0.50% · 4.625%
HK$129,722
+HK$7,441/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$244,562/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,009
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,443
−HK$3,482/mo
Today · 4.125%
HK$134,925
baseline
▲ 0.50% · 4.625%
HK$142,037
+HK$7,112/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$269,850/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,243
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$138,419
−HK$4,243/mo
Today · 4.125%
HK$142,662
baseline
▲ 0.50% · 4.625%
HK$151,342
+HK$8,680/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,324/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,344
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,350
−HK$4,063/mo
Today · 4.125%
HK$157,413
baseline
▲ 0.50% · 4.625%
HK$165,710
+HK$8,297/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,826/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,598
−HK$10,824/mo
▼ 0.25% · 3.875%
HK$177,967
−HK$5,455/mo
Today · 4.125%
HK$183,422
baseline
▲ 0.50% · 4.625%
HK$194,583
+HK$11,161/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$366,844/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,014
−HK$10,374/mo
▼ 0.25% · 3.875%
HK$197,164
−HK$5,224/mo
Today · 4.125%
HK$202,388
baseline
▲ 0.50% · 4.625%
HK$213,056
+HK$10,668/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$404,776/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,186 · Scale 2, in force from 26 Feb 2026)