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$96,080
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,069
−HK$3,037/mo
Today · 4.125%
HK$102,106
baseline
▲ 0.50% · 4.625%
HK$108,318
+HK$6,212/mo
Deposit HK$21.07M · loan HK$21.07M · min. income ≈ HK$204,212/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,889
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,755
−HK$2,908/mo
Today · 4.125%
HK$112,663
baseline
▲ 0.50% · 4.625%
HK$118,602
+HK$5,939/mo
Deposit HK$21.07M · loan HK$21.07M · min. income ≈ HK$225,326/mo (50% DSR)
Upfront cash ≈ HK$22.86M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,297
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,883
−HK$3,644/mo
Today · 4.125%
HK$122,527
baseline
▲ 0.50% · 4.625%
HK$129,982
+HK$7,455/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$245,054/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,266
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,706
−HK$3,490/mo
Today · 4.125%
HK$135,196
baseline
▲ 0.50% · 4.625%
HK$142,322
+HK$7,126/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$270,392/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,513
−HK$8,435/mo
▼ 0.25% · 3.875%
HK$138,697
−HK$4,251/mo
Today · 4.125%
HK$142,948
baseline
▲ 0.50% · 4.625%
HK$151,646
+HK$8,698/mo
Deposit HK$12.64M · loan HK$29.50M · min. income ≈ HK$285,896/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,644
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$153,657
−HK$4,072/mo
Today · 4.125%
HK$157,729
baseline
▲ 0.50% · 4.625%
HK$166,043
+HK$8,314/mo
Deposit HK$12.64M · loan HK$29.50M · min. income ≈ HK$315,458/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,945
−HK$10,845/mo
▼ 0.25% · 3.875%
HK$178,324
−HK$5,466/mo
Today · 4.125%
HK$183,790
baseline
▲ 0.50% · 4.625%
HK$194,973
+HK$11,183/mo
Deposit HK$4.21M · loan HK$37.92M · min. income ≈ HK$367,580/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,399
−HK$10,395/mo
▼ 0.25% · 3.875%
HK$197,559
−HK$5,235/mo
Today · 4.125%
HK$202,794
baseline
▲ 0.50% · 4.625%
HK$213,484
+HK$10,690/mo
Deposit HK$4.21M · loan HK$37.92M · min. income ≈ HK$405,588/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,772 · Scale 2, in force from 26 Feb 2026)