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$96,504
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,506
−HK$3,050/mo
Today · 4.125%
HK$102,556
baseline
▲ 0.50% · 4.625%
HK$108,796
+HK$6,240/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,112/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,360
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,239
−HK$2,921/mo
Today · 4.125%
HK$113,160
baseline
▲ 0.50% · 4.625%
HK$119,125
+HK$5,965/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,320/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,805
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,407
−HK$3,660/mo
Today · 4.125%
HK$123,067
baseline
▲ 0.50% · 4.625%
HK$130,555
+HK$7,488/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,134/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,832
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,287
−HK$3,505/mo
Today · 4.125%
HK$135,792
baseline
▲ 0.50% · 4.625%
HK$142,950
+HK$7,158/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,584/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,105
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$139,308
−HK$4,270/mo
Today · 4.125%
HK$143,578
baseline
▲ 0.50% · 4.625%
HK$152,314
+HK$8,736/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$287,156/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,303
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,334
−HK$4,090/mo
Today · 4.125%
HK$158,424
baseline
▲ 0.50% · 4.625%
HK$166,775
+HK$8,351/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$316,848/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,707
−HK$10,893/mo
▼ 0.25% · 3.875%
HK$179,110
−HK$5,490/mo
Today · 4.125%
HK$184,600
baseline
▲ 0.50% · 4.625%
HK$195,832
+HK$11,232/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$369,200/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,247
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$198,430
−HK$5,258/mo
Today · 4.125%
HK$203,688
baseline
▲ 0.50% · 4.625%
HK$214,424
+HK$10,736/mo
Deposit HK$4.23M · loan HK$38.09M · min. income ≈ HK$407,376/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,664 · Scale 2, in force from 26 Feb 2026)