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$95,973
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,959
−HK$3,033/mo
Today · 4.125%
HK$101,992
baseline
▲ 0.50% · 4.625%
HK$108,198
+HK$6,206/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,984/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,769
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,633
−HK$2,905/mo
Today · 4.125%
HK$112,538
baseline
▲ 0.50% · 4.625%
HK$118,470
+HK$5,932/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$225,076/mo (50% DSR)
Upfront cash ≈ HK$22.83M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,168
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,750
−HK$3,640/mo
Today · 4.125%
HK$122,390
baseline
▲ 0.50% · 4.625%
HK$129,837
+HK$7,447/mo
Deposit HK$16.84M · loan HK$25.25M · min. income ≈ HK$244,780/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,123
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,559
−HK$3,486/mo
Today · 4.125%
HK$135,045
baseline
▲ 0.50% · 4.625%
HK$142,164
+HK$7,119/mo
Deposit HK$16.84M · loan HK$25.25M · min. income ≈ HK$270,090/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,363
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,542
−HK$4,246/mo
Today · 4.125%
HK$142,788
baseline
▲ 0.50% · 4.625%
HK$151,477
+HK$8,689/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$285,576/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,477
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,486
−HK$4,067/mo
Today · 4.125%
HK$157,553
baseline
▲ 0.50% · 4.625%
HK$165,858
+HK$8,305/mo
Deposit HK$12.63M · loan HK$29.46M · min. income ≈ HK$315,106/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,752
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$178,126
−HK$5,459/mo
Today · 4.125%
HK$183,585
baseline
▲ 0.50% · 4.625%
HK$194,756
+HK$11,171/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$367,170/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,185
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$197,339
−HK$5,229/mo
Today · 4.125%
HK$202,568
baseline
▲ 0.50% · 4.625%
HK$213,246
+HK$10,678/mo
Deposit HK$4.21M · loan HK$37.88M · min. income ≈ HK$405,136/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,776 · Scale 2, in force from 26 Feb 2026)