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$96,418
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,418
−HK$3,047/mo
Today · 4.125%
HK$102,465
baseline
▲ 0.50% · 4.625%
HK$108,700
+HK$6,235/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$204,930/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,265
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,141
−HK$2,919/mo
Today · 4.125%
HK$113,060
baseline
▲ 0.50% · 4.625%
HK$119,019
+HK$5,959/mo
Deposit HK$21.14M · loan HK$21.14M · min. income ≈ HK$226,120/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,702
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,301
−HK$3,657/mo
Today · 4.125%
HK$122,958
baseline
▲ 0.50% · 4.625%
HK$130,439
+HK$7,481/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$245,916/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,718
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,170
−HK$3,502/mo
Today · 4.125%
HK$135,672
baseline
▲ 0.50% · 4.625%
HK$142,823
+HK$7,151/mo
Deposit HK$16.91M · loan HK$25.37M · min. income ≈ HK$271,344/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,986
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$139,185
−HK$4,266/mo
Today · 4.125%
HK$143,451
baseline
▲ 0.50% · 4.625%
HK$152,179
+HK$8,728/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$286,902/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,170
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,198
−HK$4,086/mo
Today · 4.125%
HK$158,284
baseline
▲ 0.50% · 4.625%
HK$166,627
+HK$8,343/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$316,568/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,553
−HK$10,884/mo
▼ 0.25% · 3.875%
HK$178,952
−HK$5,485/mo
Today · 4.125%
HK$184,437
baseline
▲ 0.50% · 4.625%
HK$195,659
+HK$11,222/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,874/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,076
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$198,254
−HK$5,254/mo
Today · 4.125%
HK$203,508
baseline
▲ 0.50% · 4.625%
HK$214,235
+HK$10,727/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,016/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,073 · Scale 2, in force from 26 Feb 2026)