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$96,015
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,002
−HK$3,034/mo
Today · 4.125%
HK$102,036
baseline
▲ 0.50% · 4.625%
HK$108,245
+HK$6,209/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$204,072/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,816
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,681
−HK$2,906/mo
Today · 4.125%
HK$112,587
baseline
▲ 0.50% · 4.625%
HK$118,522
+HK$5,935/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$225,174/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,218
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,802
−HK$3,641/mo
Today · 4.125%
HK$122,443
baseline
▲ 0.50% · 4.625%
HK$129,894
+HK$7,451/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$244,886/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,179
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,617
−HK$3,487/mo
Today · 4.125%
HK$135,104
baseline
▲ 0.50% · 4.625%
HK$142,226
+HK$7,122/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$270,208/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,421
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$138,603
−HK$4,248/mo
Today · 4.125%
HK$142,851
baseline
▲ 0.50% · 4.625%
HK$151,543
+HK$8,692/mo
Deposit HK$12.63M · loan HK$29.48M · min. income ≈ HK$285,702/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,542
−HK$8,080/mo
▼ 0.25% · 3.875%
HK$153,553
−HK$4,069/mo
Today · 4.125%
HK$157,622
baseline
▲ 0.50% · 4.625%
HK$165,930
+HK$8,308/mo
Deposit HK$12.63M · loan HK$29.48M · min. income ≈ HK$315,244/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,827
−HK$10,838/mo
▼ 0.25% · 3.875%
HK$178,203
−HK$5,462/mo
Today · 4.125%
HK$183,665
baseline
▲ 0.50% · 4.625%
HK$194,841
+HK$11,176/mo
Deposit HK$4.21M · loan HK$37.90M · min. income ≈ HK$367,330/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,269
−HK$10,387/mo
▼ 0.25% · 3.875%
HK$197,425
−HK$5,231/mo
Today · 4.125%
HK$202,656
baseline
▲ 0.50% · 4.625%
HK$213,339
+HK$10,683/mo
Deposit HK$4.21M · loan HK$37.90M · min. income ≈ HK$405,312/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,557 · Scale 2, in force from 26 Feb 2026)